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$10,654
−HK$668/mo
▼ 0.25% · 3.875%
HK$10,986
−HK$336/mo
Today · 4.125%
HK$11,322
baseline
▲ 0.50% · 4.625%
HK$12,011
+HK$689/mo
Deposit HK$2.34M · loan HK$2.34M · min. income ≈ HK$22,644/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$84,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,853
−HK$640/mo
▼ 0.25% · 3.875%
HK$12,171
−HK$322/mo
Today · 4.125%
HK$12,493
baseline
▲ 0.50% · 4.625%
HK$13,152
+HK$659/mo
Deposit HK$2.34M · loan HK$2.34M · min. income ≈ HK$24,986/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$84,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,785
−HK$802/mo
▼ 0.25% · 3.875%
HK$13,183
−HK$404/mo
Today · 4.125%
HK$13,587
baseline
▲ 0.50% · 4.625%
HK$14,413
+HK$826/mo
Deposit HK$1.87M · loan HK$2.80M · min. income ≈ HK$27,174/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$84,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,223
−HK$769/mo
▼ 0.25% · 3.875%
HK$14,605
−HK$387/mo
Today · 4.125%
HK$14,992
baseline
▲ 0.50% · 4.625%
HK$15,782
+HK$790/mo
Deposit HK$1.87M · loan HK$2.80M · min. income ≈ HK$29,984/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$84,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,916
−HK$935/mo
▼ 0.25% · 3.875%
HK$15,380
−HK$471/mo
Today · 4.125%
HK$15,851
baseline
▲ 0.50% · 4.625%
HK$16,816
+HK$965/mo
Deposit HK$1.40M · loan HK$3.27M · min. income ≈ HK$31,702/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$84,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,594
−HK$896/mo
▼ 0.25% · 3.875%
HK$17,039
−HK$451/mo
Today · 4.125%
HK$17,490
baseline
▲ 0.50% · 4.625%
HK$18,412
+HK$922/mo
Deposit HK$1.40M · loan HK$3.27M · min. income ≈ HK$34,980/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$84,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,178
−HK$1,202/mo
▼ 0.25% · 3.875%
HK$19,774
−HK$606/mo
Today · 4.125%
HK$20,380
baseline
▲ 0.50% · 4.625%
HK$21,620
+HK$1,240/mo
Deposit HK$467K · loan HK$4.21M · min. income ≈ HK$40,760/mo (50% DSR)
Upfront cash ≈ HK$552K (deposit + AVD stamp duty HK$84,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,335
−HK$1,152/mo
▼ 0.25% · 3.875%
HK$21,907
−HK$580/mo
Today · 4.125%
HK$22,487
baseline
▲ 0.50% · 4.625%
HK$23,673
+HK$1,186/mo
Deposit HK$467K · loan HK$4.21M · min. income ≈ HK$44,974/mo (50% DSR)
Upfront cash ≈ HK$552K (deposit + AVD stamp duty HK$84,736 · 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).