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$10,554
−HK$662/mo
▼ 0.25% · 3.875%
HK$10,883
−HK$333/mo
Today · 4.125%
HK$11,216
baseline
▲ 0.50% · 4.625%
HK$11,899
+HK$683/mo
Deposit HK$2.31M · loan HK$2.31M · min. income ≈ HK$22,432/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$80,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,742
−HK$634/mo
▼ 0.25% · 3.875%
HK$12,056
−HK$320/mo
Today · 4.125%
HK$12,376
baseline
▲ 0.50% · 4.625%
HK$13,028
+HK$652/mo
Deposit HK$2.31M · loan HK$2.31M · min. income ≈ HK$24,752/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$80,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,665
−HK$794/mo
▼ 0.25% · 3.875%
HK$13,059
−HK$400/mo
Today · 4.125%
HK$13,459
baseline
▲ 0.50% · 4.625%
HK$14,278
+HK$819/mo
Deposit HK$1.85M · loan HK$2.78M · min. income ≈ HK$26,918/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$80,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,090
−HK$761/mo
▼ 0.25% · 3.875%
HK$14,468
−HK$383/mo
Today · 4.125%
HK$14,851
baseline
▲ 0.50% · 4.625%
HK$15,634
+HK$783/mo
Deposit HK$1.85M · loan HK$2.78M · min. income ≈ HK$29,702/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$80,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,776
−HK$927/mo
▼ 0.25% · 3.875%
HK$15,236
−HK$467/mo
Today · 4.125%
HK$15,703
baseline
▲ 0.50% · 4.625%
HK$16,658
+HK$955/mo
Deposit HK$1.39M · loan HK$3.24M · min. income ≈ HK$31,406/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$80,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,438
−HK$888/mo
▼ 0.25% · 3.875%
HK$16,879
−HK$447/mo
Today · 4.125%
HK$17,326
baseline
▲ 0.50% · 4.625%
HK$18,239
+HK$913/mo
Deposit HK$1.39M · loan HK$3.24M · min. income ≈ HK$34,652/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$80,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,998
−HK$1,191/mo
▼ 0.25% · 3.875%
HK$19,589
−HK$600/mo
Today · 4.125%
HK$20,189
baseline
▲ 0.50% · 4.625%
HK$21,417
+HK$1,228/mo
Deposit HK$463K · loan HK$4.17M · min. income ≈ HK$40,378/mo (50% DSR)
Upfront cash ≈ HK$543K (deposit + AVD stamp duty HK$80,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,135
−HK$1,142/mo
▼ 0.25% · 3.875%
HK$21,702
−HK$575/mo
Today · 4.125%
HK$22,277
baseline
▲ 0.50% · 4.625%
HK$23,451
+HK$1,174/mo
Deposit HK$463K · loan HK$4.17M · min. income ≈ HK$44,554/mo (50% DSR)
Upfront cash ≈ HK$543K (deposit + AVD stamp duty HK$80,354 · 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).