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$10,523
−HK$659/mo
▼ 0.25% · 3.875%
HK$10,850
−HK$332/mo
Today · 4.125%
HK$11,182
baseline
▲ 0.50% · 4.625%
HK$11,863
+HK$681/mo
Deposit HK$2.31M · loan HK$2.31M · min. income ≈ HK$22,364/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$78,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,706
−HK$633/mo
▼ 0.25% · 3.875%
HK$12,020
−HK$319/mo
Today · 4.125%
HK$12,339
baseline
▲ 0.50% · 4.625%
HK$12,989
+HK$650/mo
Deposit HK$2.31M · loan HK$2.31M · min. income ≈ HK$24,678/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$78,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,627
−HK$792/mo
▼ 0.25% · 3.875%
HK$13,020
−HK$399/mo
Today · 4.125%
HK$13,419
baseline
▲ 0.50% · 4.625%
HK$14,235
+HK$816/mo
Deposit HK$1.85M · loan HK$2.77M · min. income ≈ HK$26,838/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$78,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,048
−HK$759/mo
▼ 0.25% · 3.875%
HK$14,424
−HK$383/mo
Today · 4.125%
HK$14,807
baseline
▲ 0.50% · 4.625%
HK$15,587
+HK$780/mo
Deposit HK$1.85M · loan HK$2.77M · min. income ≈ HK$29,614/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$78,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,732
−HK$923/mo
▼ 0.25% · 3.875%
HK$15,190
−HK$465/mo
Today · 4.125%
HK$15,655
baseline
▲ 0.50% · 4.625%
HK$16,608
+HK$953/mo
Deposit HK$1.38M · loan HK$3.23M · min. income ≈ HK$31,310/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$78,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,389
−HK$885/mo
▼ 0.25% · 3.875%
HK$16,828
−HK$446/mo
Today · 4.125%
HK$17,274
baseline
▲ 0.50% · 4.625%
HK$18,185
+HK$911/mo
Deposit HK$1.38M · loan HK$3.23M · min. income ≈ HK$34,548/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$78,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,941
−HK$1,187/mo
▼ 0.25% · 3.875%
HK$19,530
−HK$598/mo
Today · 4.125%
HK$20,128
baseline
▲ 0.50% · 4.625%
HK$21,353
+HK$1,225/mo
Deposit HK$461K · loan HK$4.15M · min. income ≈ HK$40,256/mo (50% DSR)
Upfront cash ≈ HK$540K (deposit + AVD stamp duty HK$78,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,071
−HK$1,139/mo
▼ 0.25% · 3.875%
HK$21,636
−HK$574/mo
Today · 4.125%
HK$22,210
baseline
▲ 0.50% · 4.625%
HK$23,380
+HK$1,170/mo
Deposit HK$461K · loan HK$4.15M · min. income ≈ HK$44,420/mo (50% DSR)
Upfront cash ≈ HK$540K (deposit + AVD stamp duty HK$78,967 · 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).