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$10,516
−HK$659/mo
▼ 0.25% · 3.875%
HK$10,843
−HK$332/mo
Today · 4.125%
HK$11,175
baseline
▲ 0.50% · 4.625%
HK$11,855
+HK$680/mo
Deposit HK$2.31M · loan HK$2.31M · min. income ≈ HK$22,350/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$78,677 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,699
−HK$632/mo
▼ 0.25% · 3.875%
HK$12,013
−HK$318/mo
Today · 4.125%
HK$12,331
baseline
▲ 0.50% · 4.625%
HK$12,981
+HK$650/mo
Deposit HK$2.31M · loan HK$2.31M · min. income ≈ HK$24,662/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$78,677 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,619
−HK$792/mo
▼ 0.25% · 3.875%
HK$13,012
−HK$399/mo
Today · 4.125%
HK$13,411
baseline
▲ 0.50% · 4.625%
HK$14,227
+HK$816/mo
Deposit HK$1.84M · loan HK$2.77M · min. income ≈ HK$26,822/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$78,677 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,039
−HK$758/mo
▼ 0.25% · 3.875%
HK$14,415
−HK$382/mo
Today · 4.125%
HK$14,797
baseline
▲ 0.50% · 4.625%
HK$15,577
+HK$780/mo
Deposit HK$1.84M · loan HK$2.77M · min. income ≈ HK$29,594/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$78,677 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,722
−HK$924/mo
▼ 0.25% · 3.875%
HK$15,180
−HK$466/mo
Today · 4.125%
HK$15,646
baseline
▲ 0.50% · 4.625%
HK$16,598
+HK$952/mo
Deposit HK$1.38M · loan HK$3.23M · min. income ≈ HK$31,292/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$78,677 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,379
−HK$884/mo
▼ 0.25% · 3.875%
HK$16,818
−HK$445/mo
Today · 4.125%
HK$17,263
baseline
▲ 0.50% · 4.625%
HK$18,173
+HK$910/mo
Deposit HK$1.38M · loan HK$3.23M · min. income ≈ HK$34,526/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$78,677 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,929
−HK$1,187/mo
▼ 0.25% · 3.875%
HK$19,518
−HK$598/mo
Today · 4.125%
HK$20,116
baseline
▲ 0.50% · 4.625%
HK$21,340
+HK$1,224/mo
Deposit HK$461K · loan HK$4.15M · min. income ≈ HK$40,232/mo (50% DSR)
Upfront cash ≈ HK$540K (deposit + AVD stamp duty HK$78,677 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,058
−HK$1,138/mo
▼ 0.25% · 3.875%
HK$21,623
−HK$573/mo
Today · 4.125%
HK$22,196
baseline
▲ 0.50% · 4.625%
HK$23,366
+HK$1,170/mo
Deposit HK$461K · loan HK$4.15M · min. income ≈ HK$44,392/mo (50% DSR)
Upfront cash ≈ HK$540K (deposit + AVD stamp duty HK$78,677 · 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).