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$10,466
−HK$656/mo
▼ 0.25% · 3.875%
HK$10,791
−HK$331/mo
Today · 4.125%
HK$11,122
baseline
▲ 0.50% · 4.625%
HK$11,799
+HK$677/mo
Deposit HK$2.29M · loan HK$2.29M · min. income ≈ HK$22,244/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$76,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,643
−HK$629/mo
▼ 0.25% · 3.875%
HK$11,956
−HK$316/mo
Today · 4.125%
HK$12,272
baseline
▲ 0.50% · 4.625%
HK$12,919
+HK$647/mo
Deposit HK$2.29M · loan HK$2.29M · min. income ≈ HK$24,544/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$76,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,559
−HK$788/mo
▼ 0.25% · 3.875%
HK$12,950
−HK$397/mo
Today · 4.125%
HK$13,347
baseline
▲ 0.50% · 4.625%
HK$14,159
+HK$812/mo
Deposit HK$1.84M · loan HK$2.75M · min. income ≈ HK$26,694/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$76,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,972
−HK$755/mo
▼ 0.25% · 3.875%
HK$14,347
−HK$380/mo
Today · 4.125%
HK$14,727
baseline
▲ 0.50% · 4.625%
HK$15,503
+HK$776/mo
Deposit HK$1.84M · loan HK$2.75M · min. income ≈ HK$29,454/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$76,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,652
−HK$919/mo
▼ 0.25% · 3.875%
HK$15,108
−HK$463/mo
Today · 4.125%
HK$15,571
baseline
▲ 0.50% · 4.625%
HK$16,519
+HK$948/mo
Deposit HK$1.38M · loan HK$3.21M · min. income ≈ HK$31,142/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$76,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,301
−HK$880/mo
▼ 0.25% · 3.875%
HK$16,738
−HK$443/mo
Today · 4.125%
HK$17,181
baseline
▲ 0.50% · 4.625%
HK$18,087
+HK$906/mo
Deposit HK$1.38M · loan HK$3.21M · min. income ≈ HK$34,362/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$76,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,839
−HK$1,181/mo
▼ 0.25% · 3.875%
HK$19,425
−HK$595/mo
Today · 4.125%
HK$20,020
baseline
▲ 0.50% · 4.625%
HK$21,238
+HK$1,218/mo
Deposit HK$459K · loan HK$4.13M · min. income ≈ HK$40,040/mo (50% DSR)
Upfront cash ≈ HK$535K (deposit + AVD stamp duty HK$76,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,958
−HK$1,132/mo
▼ 0.25% · 3.875%
HK$21,520
−HK$570/mo
Today · 4.125%
HK$22,090
baseline
▲ 0.50% · 4.625%
HK$23,255
+HK$1,165/mo
Deposit HK$459K · loan HK$4.13M · min. income ≈ HK$44,180/mo (50% DSR)
Upfront cash ≈ HK$535K (deposit + AVD stamp duty HK$76,481 · 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).