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$10,508
−HK$659/mo
▼ 0.25% · 3.875%
HK$10,835
−HK$332/mo
Today · 4.125%
HK$11,167
baseline
▲ 0.50% · 4.625%
HK$11,846
+HK$679/mo
Deposit HK$2.30M · loan HK$2.30M · min. income ≈ HK$22,334/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$78,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,690
−HK$632/mo
▼ 0.25% · 3.875%
HK$12,004
−HK$318/mo
Today · 4.125%
HK$12,322
baseline
▲ 0.50% · 4.625%
HK$12,971
+HK$649/mo
Deposit HK$2.30M · loan HK$2.30M · min. income ≈ HK$24,644/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$78,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,610
−HK$790/mo
▼ 0.25% · 3.875%
HK$13,002
−HK$398/mo
Today · 4.125%
HK$13,400
baseline
▲ 0.50% · 4.625%
HK$14,216
+HK$816/mo
Deposit HK$1.84M · loan HK$2.76M · min. income ≈ HK$26,800/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$78,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,028
−HK$758/mo
▼ 0.25% · 3.875%
HK$14,404
−HK$382/mo
Today · 4.125%
HK$14,786
baseline
▲ 0.50% · 4.625%
HK$15,565
+HK$779/mo
Deposit HK$1.84M · loan HK$2.76M · min. income ≈ HK$29,572/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$78,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,711
−HK$923/mo
▼ 0.25% · 3.875%
HK$15,169
−HK$465/mo
Today · 4.125%
HK$15,634
baseline
▲ 0.50% · 4.625%
HK$16,585
+HK$951/mo
Deposit HK$1.38M · loan HK$3.23M · min. income ≈ HK$31,268/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$78,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,366
−HK$884/mo
▼ 0.25% · 3.875%
HK$16,805
−HK$445/mo
Today · 4.125%
HK$17,250
baseline
▲ 0.50% · 4.625%
HK$18,160
+HK$910/mo
Deposit HK$1.38M · loan HK$3.23M · min. income ≈ HK$34,500/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$78,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,914
−HK$1,187/mo
▼ 0.25% · 3.875%
HK$19,503
−HK$598/mo
Today · 4.125%
HK$20,101
baseline
▲ 0.50% · 4.625%
HK$21,324
+HK$1,223/mo
Deposit HK$461K · loan HK$4.15M · min. income ≈ HK$40,202/mo (50% DSR)
Upfront cash ≈ HK$539K (deposit + AVD stamp duty HK$78,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,042
−HK$1,137/mo
▼ 0.25% · 3.875%
HK$21,606
−HK$573/mo
Today · 4.125%
HK$22,179
baseline
▲ 0.50% · 4.625%
HK$23,348
+HK$1,169/mo
Deposit HK$461K · loan HK$4.15M · min. income ≈ HK$44,358/mo (50% DSR)
Upfront cash ≈ HK$539K (deposit + AVD stamp duty HK$78,327 · 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).