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$10,645
−HK$667/mo
▼ 0.25% · 3.875%
HK$10,976
−HK$336/mo
Today · 4.125%
HK$11,312
baseline
▲ 0.50% · 4.625%
HK$12,000
+HK$688/mo
Deposit HK$2.33M · loan HK$2.33M · min. income ≈ HK$22,624/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$84,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,842
−HK$640/mo
▼ 0.25% · 3.875%
HK$12,160
−HK$322/mo
Today · 4.125%
HK$12,482
baseline
▲ 0.50% · 4.625%
HK$13,140
+HK$658/mo
Deposit HK$2.33M · loan HK$2.33M · min. income ≈ HK$24,964/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$84,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,774
−HK$801/mo
▼ 0.25% · 3.875%
HK$13,171
−HK$404/mo
Today · 4.125%
HK$13,575
baseline
▲ 0.50% · 4.625%
HK$14,401
+HK$826/mo
Deposit HK$1.87M · loan HK$2.80M · min. income ≈ HK$27,150/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$84,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,210
−HK$768/mo
▼ 0.25% · 3.875%
HK$14,592
−HK$386/mo
Today · 4.125%
HK$14,978
baseline
▲ 0.50% · 4.625%
HK$15,768
+HK$790/mo
Deposit HK$1.87M · loan HK$2.80M · min. income ≈ HK$29,956/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$84,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,903
−HK$934/mo
▼ 0.25% · 3.875%
HK$15,366
−HK$471/mo
Today · 4.125%
HK$15,837
baseline
▲ 0.50% · 4.625%
HK$16,801
+HK$964/mo
Deposit HK$1.40M · loan HK$3.27M · min. income ≈ HK$31,674/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$84,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,579
−HK$896/mo
▼ 0.25% · 3.875%
HK$17,024
−HK$451/mo
Today · 4.125%
HK$17,475
baseline
▲ 0.50% · 4.625%
HK$18,396
+HK$921/mo
Deposit HK$1.40M · loan HK$3.27M · min. income ≈ HK$34,950/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$84,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,160
−HK$1,202/mo
▼ 0.25% · 3.875%
HK$19,756
−HK$606/mo
Today · 4.125%
HK$20,362
baseline
▲ 0.50% · 4.625%
HK$21,601
+HK$1,239/mo
Deposit HK$467K · loan HK$4.20M · min. income ≈ HK$40,724/mo (50% DSR)
Upfront cash ≈ HK$551K (deposit + AVD stamp duty HK$84,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,316
−HK$1,151/mo
▼ 0.25% · 3.875%
HK$21,887
−HK$580/mo
Today · 4.125%
HK$22,467
baseline
▲ 0.50% · 4.625%
HK$23,652
+HK$1,185/mo
Deposit HK$467K · loan HK$4.20M · min. income ≈ HK$44,934/mo (50% DSR)
Upfront cash ≈ HK$551K (deposit + AVD stamp duty HK$84,319 · 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).