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$10,594
−HK$665/mo
▼ 0.25% · 3.875%
HK$10,924
−HK$335/mo
Today · 4.125%
HK$11,259
baseline
▲ 0.50% · 4.625%
HK$11,944
+HK$685/mo
Deposit HK$2.32M · loan HK$2.32M · min. income ≈ HK$22,518/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$82,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,786
−HK$637/mo
▼ 0.25% · 3.875%
HK$12,102
−HK$321/mo
Today · 4.125%
HK$12,423
baseline
▲ 0.50% · 4.625%
HK$13,078
+HK$655/mo
Deposit HK$2.32M · loan HK$2.32M · min. income ≈ HK$24,846/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$82,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,713
−HK$798/mo
▼ 0.25% · 3.875%
HK$13,109
−HK$402/mo
Today · 4.125%
HK$13,511
baseline
▲ 0.50% · 4.625%
HK$14,333
+HK$822/mo
Deposit HK$1.86M · loan HK$2.79M · min. income ≈ HK$27,022/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$82,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,144
−HK$764/mo
▼ 0.25% · 3.875%
HK$14,523
−HK$385/mo
Today · 4.125%
HK$14,908
baseline
▲ 0.50% · 4.625%
HK$15,693
+HK$785/mo
Deposit HK$1.86M · loan HK$2.79M · min. income ≈ HK$29,816/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$82,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,832
−HK$930/mo
▼ 0.25% · 3.875%
HK$15,294
−HK$468/mo
Today · 4.125%
HK$15,762
baseline
▲ 0.50% · 4.625%
HK$16,722
+HK$960/mo
Deposit HK$1.39M · loan HK$3.25M · min. income ≈ HK$31,524/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$82,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,501
−HK$891/mo
▼ 0.25% · 3.875%
HK$16,943
−HK$449/mo
Today · 4.125%
HK$17,392
baseline
▲ 0.50% · 4.625%
HK$18,309
+HK$917/mo
Deposit HK$1.39M · loan HK$3.25M · min. income ≈ HK$34,784/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$82,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,070
−HK$1,196/mo
▼ 0.25% · 3.875%
HK$19,663
−HK$603/mo
Today · 4.125%
HK$20,266
baseline
▲ 0.50% · 4.625%
HK$21,499
+HK$1,233/mo
Deposit HK$465K · loan HK$4.18M · min. income ≈ HK$40,532/mo (50% DSR)
Upfront cash ≈ HK$547K (deposit + AVD stamp duty HK$82,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,215
−HK$1,146/mo
▼ 0.25% · 3.875%
HK$21,784
−HK$577/mo
Today · 4.125%
HK$22,361
baseline
▲ 0.50% · 4.625%
HK$23,540
+HK$1,179/mo
Deposit HK$465K · loan HK$4.18M · min. income ≈ HK$44,722/mo (50% DSR)
Upfront cash ≈ HK$547K (deposit + AVD stamp duty HK$82,119 · 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).