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$10,473
−HK$656/mo
▼ 0.25% · 3.875%
HK$10,798
−HK$331/mo
Today · 4.125%
HK$11,129
baseline
▲ 0.50% · 4.625%
HK$11,807
+HK$678/mo
Deposit HK$2.30M · loan HK$2.30M · min. income ≈ HK$22,258/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$76,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,651
−HK$629/mo
▼ 0.25% · 3.875%
HK$11,963
−HK$317/mo
Today · 4.125%
HK$12,280
baseline
▲ 0.50% · 4.625%
HK$12,927
+HK$647/mo
Deposit HK$2.30M · loan HK$2.30M · min. income ≈ HK$24,560/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$76,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,567
−HK$788/mo
▼ 0.25% · 3.875%
HK$12,958
−HK$397/mo
Today · 4.125%
HK$13,355
baseline
▲ 0.50% · 4.625%
HK$14,168
+HK$813/mo
Deposit HK$1.84M · loan HK$2.76M · min. income ≈ HK$26,710/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$76,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,981
−HK$755/mo
▼ 0.25% · 3.875%
HK$14,356
−HK$380/mo
Today · 4.125%
HK$14,736
baseline
▲ 0.50% · 4.625%
HK$15,513
+HK$777/mo
Deposit HK$1.84M · loan HK$2.76M · min. income ≈ HK$29,472/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$76,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,662
−HK$919/mo
▼ 0.25% · 3.875%
HK$15,118
−HK$463/mo
Today · 4.125%
HK$15,581
baseline
▲ 0.50% · 4.625%
HK$16,529
+HK$948/mo
Deposit HK$1.38M · loan HK$3.21M · min. income ≈ HK$31,162/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$76,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,311
−HK$881/mo
▼ 0.25% · 3.875%
HK$16,748
−HK$444/mo
Today · 4.125%
HK$17,192
baseline
▲ 0.50% · 4.625%
HK$18,098
+HK$906/mo
Deposit HK$1.38M · loan HK$3.21M · min. income ≈ HK$34,384/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$76,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,851
−HK$1,182/mo
▼ 0.25% · 3.875%
HK$19,437
−HK$596/mo
Today · 4.125%
HK$20,033
baseline
▲ 0.50% · 4.625%
HK$21,252
+HK$1,219/mo
Deposit HK$459K · loan HK$4.13M · min. income ≈ HK$40,066/mo (50% DSR)
Upfront cash ≈ HK$536K (deposit + AVD stamp duty HK$76,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,971
−HK$1,133/mo
▼ 0.25% · 3.875%
HK$21,534
−HK$570/mo
Today · 4.125%
HK$22,104
baseline
▲ 0.50% · 4.625%
HK$23,269
+HK$1,165/mo
Deposit HK$459K · loan HK$4.13M · min. income ≈ HK$44,208/mo (50% DSR)
Upfront cash ≈ HK$536K (deposit + AVD stamp duty HK$76,775 · 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).