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$10,528
−HK$660/mo
▼ 0.25% · 3.875%
HK$10,856
−HK$332/mo
Today · 4.125%
HK$11,188
baseline
▲ 0.50% · 4.625%
HK$11,869
+HK$681/mo
Deposit HK$2.31M · loan HK$2.31M · min. income ≈ HK$22,376/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$79,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,712
−HK$633/mo
▼ 0.25% · 3.875%
HK$12,027
−HK$318/mo
Today · 4.125%
HK$12,345
baseline
▲ 0.50% · 4.625%
HK$12,996
+HK$651/mo
Deposit HK$2.31M · loan HK$2.31M · min. income ≈ HK$24,690/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$79,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,634
−HK$792/mo
▼ 0.25% · 3.875%
HK$13,027
−HK$399/mo
Today · 4.125%
HK$13,426
baseline
▲ 0.50% · 4.625%
HK$14,243
+HK$817/mo
Deposit HK$1.85M · loan HK$2.77M · min. income ≈ HK$26,852/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$79,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,055
−HK$759/mo
▼ 0.25% · 3.875%
HK$14,432
−HK$382/mo
Today · 4.125%
HK$14,814
baseline
▲ 0.50% · 4.625%
HK$15,595
+HK$781/mo
Deposit HK$1.85M · loan HK$2.77M · min. income ≈ HK$29,628/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$79,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,739
−HK$925/mo
▼ 0.25% · 3.875%
HK$15,198
−HK$466/mo
Today · 4.125%
HK$15,664
baseline
▲ 0.50% · 4.625%
HK$16,617
+HK$953/mo
Deposit HK$1.39M · loan HK$3.23M · min. income ≈ HK$31,328/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$79,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,397
−HK$886/mo
▼ 0.25% · 3.875%
HK$16,837
−HK$446/mo
Today · 4.125%
HK$17,283
baseline
▲ 0.50% · 4.625%
HK$18,194
+HK$911/mo
Deposit HK$1.39M · loan HK$3.23M · min. income ≈ HK$34,566/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$79,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,951
−HK$1,188/mo
▼ 0.25% · 3.875%
HK$19,540
−HK$599/mo
Today · 4.125%
HK$20,139
baseline
▲ 0.50% · 4.625%
HK$21,364
+HK$1,225/mo
Deposit HK$462K · loan HK$4.16M · min. income ≈ HK$40,278/mo (50% DSR)
Upfront cash ≈ HK$541K (deposit + AVD stamp duty HK$79,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,082
−HK$1,139/mo
▼ 0.25% · 3.875%
HK$21,648
−HK$573/mo
Today · 4.125%
HK$22,221
baseline
▲ 0.50% · 4.625%
HK$23,393
+HK$1,172/mo
Deposit HK$462K · loan HK$4.16M · min. income ≈ HK$44,442/mo (50% DSR)
Upfront cash ≈ HK$541K (deposit + AVD stamp duty HK$79,207 · 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).