The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$10,451
−HK$656/mo
▼ 0.25% · 3.875%
HK$10,777
−HK$330/mo
Today · 4.125%
HK$11,107
baseline
▲ 0.50% · 4.625%
HK$11,783
+HK$676/mo
Deposit HK$2.29M · loan HK$2.29M · min. income ≈ HK$22,214/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$75,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,627
−HK$628/mo
▼ 0.25% · 3.875%
HK$11,939
−HK$316/mo
Today · 4.125%
HK$12,255
baseline
▲ 0.50% · 4.625%
HK$12,901
+HK$646/mo
Deposit HK$2.29M · loan HK$2.29M · min. income ≈ HK$24,510/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$75,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,542
−HK$786/mo
▼ 0.25% · 3.875%
HK$12,932
−HK$396/mo
Today · 4.125%
HK$13,328
baseline
▲ 0.50% · 4.625%
HK$14,139
+HK$811/mo
Deposit HK$1.83M · loan HK$2.75M · min. income ≈ HK$26,656/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$75,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,953
−HK$753/mo
▼ 0.25% · 3.875%
HK$14,327
−HK$379/mo
Today · 4.125%
HK$14,706
baseline
▲ 0.50% · 4.625%
HK$15,482
+HK$776/mo
Deposit HK$1.83M · loan HK$2.75M · min. income ≈ HK$29,412/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$75,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,632
−HK$918/mo
▼ 0.25% · 3.875%
HK$15,087
−HK$463/mo
Today · 4.125%
HK$15,550
baseline
▲ 0.50% · 4.625%
HK$16,496
+HK$946/mo
Deposit HK$1.38M · loan HK$3.21M · min. income ≈ HK$31,100/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$75,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,278
−HK$879/mo
▼ 0.25% · 3.875%
HK$16,715
−HK$442/mo
Today · 4.125%
HK$17,157
baseline
▲ 0.50% · 4.625%
HK$18,062
+HK$905/mo
Deposit HK$1.38M · loan HK$3.21M · min. income ≈ HK$34,314/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$75,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,813
−HK$1,179/mo
▼ 0.25% · 3.875%
HK$19,398
−HK$594/mo
Today · 4.125%
HK$19,992
baseline
▲ 0.50% · 4.625%
HK$21,209
+HK$1,217/mo
Deposit HK$458K · loan HK$4.13M · min. income ≈ HK$39,984/mo (50% DSR)
Upfront cash ≈ HK$534K (deposit + AVD stamp duty HK$75,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,929
−HK$1,131/mo
▼ 0.25% · 3.875%
HK$21,490
−HK$570/mo
Today · 4.125%
HK$22,060
baseline
▲ 0.50% · 4.625%
HK$23,222
+HK$1,162/mo
Deposit HK$458K · loan HK$4.13M · min. income ≈ HK$44,120/mo (50% DSR)
Upfront cash ≈ HK$534K (deposit + AVD stamp duty HK$75,847 · Scale 2, in force from 26 Feb 2026)
Up to 90% LTV is available for self-use properties at HK$10M or below under the Mortgage Insurance Programme (first-time buyers).