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$10,610
−HK$666/mo
▼ 0.25% · 3.875%
HK$10,940
−HK$336/mo
Today · 4.125%
HK$11,276
baseline
▲ 0.50% · 4.625%
HK$11,962
+HK$686/mo
Deposit HK$2.33M · loan HK$2.33M · min. income ≈ HK$22,552/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$82,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,804
−HK$638/mo
▼ 0.25% · 3.875%
HK$12,120
−HK$322/mo
Today · 4.125%
HK$12,442
baseline
▲ 0.50% · 4.625%
HK$13,097
+HK$655/mo
Deposit HK$2.33M · loan HK$2.33M · min. income ≈ HK$24,884/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$82,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,732
−HK$799/mo
▼ 0.25% · 3.875%
HK$13,128
−HK$403/mo
Today · 4.125%
HK$13,531
baseline
▲ 0.50% · 4.625%
HK$14,354
+HK$823/mo
Deposit HK$1.86M · loan HK$2.79M · min. income ≈ HK$27,062/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$82,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,165
−HK$765/mo
▼ 0.25% · 3.875%
HK$14,545
−HK$385/mo
Today · 4.125%
HK$14,930
baseline
▲ 0.50% · 4.625%
HK$15,717
+HK$787/mo
Deposit HK$1.86M · loan HK$2.79M · min. income ≈ HK$29,860/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$82,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,854
−HK$932/mo
▼ 0.25% · 3.875%
HK$15,316
−HK$470/mo
Today · 4.125%
HK$15,786
baseline
▲ 0.50% · 4.625%
HK$16,746
+HK$960/mo
Deposit HK$1.40M · loan HK$3.26M · min. income ≈ HK$31,572/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$82,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,525
−HK$893/mo
▼ 0.25% · 3.875%
HK$16,969
−HK$449/mo
Today · 4.125%
HK$17,418
baseline
▲ 0.50% · 4.625%
HK$18,336
+HK$918/mo
Deposit HK$1.40M · loan HK$3.26M · min. income ≈ HK$34,836/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$82,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,099
−HK$1,197/mo
▼ 0.25% · 3.875%
HK$19,693
−HK$603/mo
Today · 4.125%
HK$20,296
baseline
▲ 0.50% · 4.625%
HK$21,531
+HK$1,235/mo
Deposit HK$465K · loan HK$4.19M · min. income ≈ HK$40,592/mo (50% DSR)
Upfront cash ≈ HK$548K (deposit + AVD stamp duty HK$82,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,247
−HK$1,148/mo
▼ 0.25% · 3.875%
HK$21,817
−HK$578/mo
Today · 4.125%
HK$22,395
baseline
▲ 0.50% · 4.625%
HK$23,575
+HK$1,180/mo
Deposit HK$465K · loan HK$4.19M · min. income ≈ HK$44,790/mo (50% DSR)
Upfront cash ≈ HK$548K (deposit + AVD stamp duty HK$82,813 · 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).