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$10,562
−HK$663/mo
▼ 0.25% · 3.875%
HK$10,891
−HK$334/mo
Today · 4.125%
HK$11,225
baseline
▲ 0.50% · 4.625%
HK$11,908
+HK$683/mo
Deposit HK$2.32M · loan HK$2.32M · min. income ≈ HK$22,450/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$80,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,751
−HK$634/mo
▼ 0.25% · 3.875%
HK$12,066
−HK$319/mo
Today · 4.125%
HK$12,385
baseline
▲ 0.50% · 4.625%
HK$13,038
+HK$653/mo
Deposit HK$2.32M · loan HK$2.32M · min. income ≈ HK$24,770/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$80,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,675
−HK$795/mo
▼ 0.25% · 3.875%
HK$13,069
−HK$401/mo
Today · 4.125%
HK$13,470
baseline
▲ 0.50% · 4.625%
HK$14,289
+HK$819/mo
Deposit HK$1.85M · loan HK$2.78M · min. income ≈ HK$26,940/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$80,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,101
−HK$762/mo
▼ 0.25% · 3.875%
HK$14,479
−HK$384/mo
Today · 4.125%
HK$14,863
baseline
▲ 0.50% · 4.625%
HK$15,646
+HK$783/mo
Deposit HK$1.85M · loan HK$2.78M · min. income ≈ HK$29,726/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$80,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,787
−HK$928/mo
▼ 0.25% · 3.875%
HK$15,247
−HK$468/mo
Today · 4.125%
HK$15,715
baseline
▲ 0.50% · 4.625%
HK$16,671
+HK$956/mo
Deposit HK$1.39M · loan HK$3.24M · min. income ≈ HK$31,430/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$80,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,451
−HK$889/mo
▼ 0.25% · 3.875%
HK$16,892
−HK$448/mo
Today · 4.125%
HK$17,340
baseline
▲ 0.50% · 4.625%
HK$18,254
+HK$914/mo
Deposit HK$1.39M · loan HK$3.24M · min. income ≈ HK$34,680/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$80,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,012
−HK$1,193/mo
▼ 0.25% · 3.875%
HK$19,604
−HK$601/mo
Today · 4.125%
HK$20,205
baseline
▲ 0.50% · 4.625%
HK$21,434
+HK$1,229/mo
Deposit HK$463K · loan HK$4.17M · min. income ≈ HK$40,410/mo (50% DSR)
Upfront cash ≈ HK$544K (deposit + AVD stamp duty HK$80,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,151
−HK$1,143/mo
▼ 0.25% · 3.875%
HK$21,718
−HK$576/mo
Today · 4.125%
HK$22,294
baseline
▲ 0.50% · 4.625%
HK$23,469
+HK$1,175/mo
Deposit HK$463K · loan HK$4.17M · min. income ≈ HK$44,588/mo (50% DSR)
Upfront cash ≈ HK$544K (deposit + AVD stamp duty HK$80,712 · 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).