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$10,477
−HK$657/mo
▼ 0.25% · 3.875%
HK$10,803
−HK$331/mo
Today · 4.125%
HK$11,134
baseline
▲ 0.50% · 4.625%
HK$11,812
+HK$678/mo
Deposit HK$2.30M · loan HK$2.30M · min. income ≈ HK$22,268/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$76,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,656
−HK$630/mo
▼ 0.25% · 3.875%
HK$11,969
−HK$317/mo
Today · 4.125%
HK$12,286
baseline
▲ 0.50% · 4.625%
HK$12,933
+HK$647/mo
Deposit HK$2.30M · loan HK$2.30M · min. income ≈ HK$24,572/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$76,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,573
−HK$788/mo
▼ 0.25% · 3.875%
HK$12,964
−HK$397/mo
Today · 4.125%
HK$13,361
baseline
▲ 0.50% · 4.625%
HK$14,174
+HK$813/mo
Deposit HK$1.84M · loan HK$2.76M · min. income ≈ HK$26,722/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$76,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,987
−HK$756/mo
▼ 0.25% · 3.875%
HK$14,362
−HK$381/mo
Today · 4.125%
HK$14,743
baseline
▲ 0.50% · 4.625%
HK$15,520
+HK$777/mo
Deposit HK$1.84M · loan HK$2.76M · min. income ≈ HK$29,486/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$76,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,668
−HK$920/mo
▼ 0.25% · 3.875%
HK$15,125
−HK$463/mo
Today · 4.125%
HK$15,588
baseline
▲ 0.50% · 4.625%
HK$16,537
+HK$949/mo
Deposit HK$1.38M · loan HK$3.22M · min. income ≈ HK$31,176/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$76,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,318
−HK$882/mo
▼ 0.25% · 3.875%
HK$16,756
−HK$444/mo
Today · 4.125%
HK$17,200
baseline
▲ 0.50% · 4.625%
HK$18,107
+HK$907/mo
Deposit HK$1.38M · loan HK$3.22M · min. income ≈ HK$34,400/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$76,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,859
−HK$1,183/mo
▼ 0.25% · 3.875%
HK$19,446
−HK$596/mo
Today · 4.125%
HK$20,042
baseline
▲ 0.50% · 4.625%
HK$21,261
+HK$1,219/mo
Deposit HK$459K · loan HK$4.14M · min. income ≈ HK$40,084/mo (50% DSR)
Upfront cash ≈ HK$536K (deposit + AVD stamp duty HK$76,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,981
−HK$1,133/mo
▼ 0.25% · 3.875%
HK$21,543
−HK$571/mo
Today · 4.125%
HK$22,114
baseline
▲ 0.50% · 4.625%
HK$23,280
+HK$1,166/mo
Deposit HK$459K · loan HK$4.14M · min. income ≈ HK$44,228/mo (50% DSR)
Upfront cash ≈ HK$536K (deposit + AVD stamp duty HK$76,981 · 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).