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$10,502
−HK$659/mo
▼ 0.25% · 3.875%
HK$10,829
−HK$332/mo
Today · 4.125%
HK$11,161
baseline
▲ 0.50% · 4.625%
HK$11,840
+HK$679/mo
Deposit HK$2.30M · loan HK$2.30M · min. income ≈ HK$22,322/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$78,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,683
−HK$632/mo
▼ 0.25% · 3.875%
HK$11,997
−HK$318/mo
Today · 4.125%
HK$12,315
baseline
▲ 0.50% · 4.625%
HK$12,964
+HK$649/mo
Deposit HK$2.30M · loan HK$2.30M · min. income ≈ HK$24,630/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$78,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,602
−HK$791/mo
▼ 0.25% · 3.875%
HK$12,994
−HK$399/mo
Today · 4.125%
HK$13,393
baseline
▲ 0.50% · 4.625%
HK$14,208
+HK$815/mo
Deposit HK$1.84M · loan HK$2.76M · min. income ≈ HK$26,786/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$78,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,020
−HK$757/mo
▼ 0.25% · 3.875%
HK$14,396
−HK$381/mo
Today · 4.125%
HK$14,777
baseline
▲ 0.50% · 4.625%
HK$15,556
+HK$779/mo
Deposit HK$1.84M · loan HK$2.76M · min. income ≈ HK$29,554/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$78,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,703
−HK$922/mo
▼ 0.25% · 3.875%
HK$15,160
−HK$465/mo
Today · 4.125%
HK$15,625
baseline
▲ 0.50% · 4.625%
HK$16,575
+HK$950/mo
Deposit HK$1.38M · loan HK$3.22M · min. income ≈ HK$31,250/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$78,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,357
−HK$883/mo
▼ 0.25% · 3.875%
HK$16,795
−HK$445/mo
Today · 4.125%
HK$17,240
baseline
▲ 0.50% · 4.625%
HK$18,149
+HK$909/mo
Deposit HK$1.38M · loan HK$3.22M · min. income ≈ HK$34,480/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$78,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,904
−HK$1,185/mo
▼ 0.25% · 3.875%
HK$19,492
−HK$597/mo
Today · 4.125%
HK$20,089
baseline
▲ 0.50% · 4.625%
HK$21,311
+HK$1,222/mo
Deposit HK$461K · loan HK$4.15M · min. income ≈ HK$40,178/mo (50% DSR)
Upfront cash ≈ HK$539K (deposit + AVD stamp duty HK$78,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,030
−HK$1,136/mo
▼ 0.25% · 3.875%
HK$21,594
−HK$572/mo
Today · 4.125%
HK$22,166
baseline
▲ 0.50% · 4.625%
HK$23,335
+HK$1,169/mo
Deposit HK$461K · loan HK$4.15M · min. income ≈ HK$44,332/mo (50% DSR)
Upfront cash ≈ HK$539K (deposit + AVD stamp duty HK$78,061 · 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).