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$10,569
−HK$663/mo
▼ 0.25% · 3.875%
HK$10,898
−HK$334/mo
Today · 4.125%
HK$11,232
baseline
▲ 0.50% · 4.625%
HK$11,915
+HK$683/mo
Deposit HK$2.32M · loan HK$2.32M · min. income ≈ HK$22,464/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$80,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,758
−HK$635/mo
▼ 0.25% · 3.875%
HK$12,073
−HK$320/mo
Today · 4.125%
HK$12,393
baseline
▲ 0.50% · 4.625%
HK$13,046
+HK$653/mo
Deposit HK$2.32M · loan HK$2.32M · min. income ≈ HK$24,786/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$80,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,683
−HK$795/mo
▼ 0.25% · 3.875%
HK$13,077
−HK$401/mo
Today · 4.125%
HK$13,478
baseline
▲ 0.50% · 4.625%
HK$14,298
+HK$820/mo
Deposit HK$1.85M · loan HK$2.78M · min. income ≈ HK$26,956/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$80,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,109
−HK$762/mo
▼ 0.25% · 3.875%
HK$14,488
−HK$383/mo
Today · 4.125%
HK$14,871
baseline
▲ 0.50% · 4.625%
HK$15,655
+HK$784/mo
Deposit HK$1.85M · loan HK$2.78M · min. income ≈ HK$29,742/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$80,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,796
−HK$928/mo
▼ 0.25% · 3.875%
HK$15,257
−HK$467/mo
Today · 4.125%
HK$15,724
baseline
▲ 0.50% · 4.625%
HK$16,681
+HK$957/mo
Deposit HK$1.39M · loan HK$3.24M · min. income ≈ HK$31,448/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$80,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,461
−HK$889/mo
▼ 0.25% · 3.875%
HK$16,902
−HK$448/mo
Today · 4.125%
HK$17,350
baseline
▲ 0.50% · 4.625%
HK$18,265
+HK$915/mo
Deposit HK$1.39M · loan HK$3.24M · min. income ≈ HK$34,700/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$80,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,024
−HK$1,193/mo
▼ 0.25% · 3.875%
HK$19,616
−HK$601/mo
Today · 4.125%
HK$20,217
baseline
▲ 0.50% · 4.625%
HK$21,447
+HK$1,230/mo
Deposit HK$463K · loan HK$4.17M · min. income ≈ HK$40,434/mo (50% DSR)
Upfront cash ≈ HK$544K (deposit + AVD stamp duty HK$80,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,164
−HK$1,143/mo
▼ 0.25% · 3.875%
HK$21,731
−HK$576/mo
Today · 4.125%
HK$22,307
baseline
▲ 0.50% · 4.625%
HK$23,483
+HK$1,176/mo
Deposit HK$463K · loan HK$4.17M · min. income ≈ HK$44,614/mo (50% DSR)
Upfront cash ≈ HK$544K (deposit + AVD stamp duty HK$80,990 · 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).