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$10,552
−HK$662/mo
▼ 0.25% · 3.875%
HK$10,880
−HK$334/mo
Today · 4.125%
HK$11,214
baseline
▲ 0.50% · 4.625%
HK$11,896
+HK$682/mo
Deposit HK$2.31M · loan HK$2.31M · min. income ≈ HK$22,428/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$80,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,739
−HK$634/mo
▼ 0.25% · 3.875%
HK$12,054
−HK$319/mo
Today · 4.125%
HK$12,373
baseline
▲ 0.50% · 4.625%
HK$13,025
+HK$652/mo
Deposit HK$2.31M · loan HK$2.31M · min. income ≈ HK$24,746/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$80,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,662
−HK$794/mo
▼ 0.25% · 3.875%
HK$13,056
−HK$400/mo
Today · 4.125%
HK$13,456
baseline
▲ 0.50% · 4.625%
HK$14,275
+HK$819/mo
Deposit HK$1.85M · loan HK$2.78M · min. income ≈ HK$26,912/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$80,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,087
−HK$761/mo
▼ 0.25% · 3.875%
HK$14,465
−HK$383/mo
Today · 4.125%
HK$14,848
baseline
▲ 0.50% · 4.625%
HK$15,631
+HK$783/mo
Deposit HK$1.85M · loan HK$2.78M · min. income ≈ HK$29,696/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$80,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,773
−HK$926/mo
▼ 0.25% · 3.875%
HK$15,232
−HK$467/mo
Today · 4.125%
HK$15,699
baseline
▲ 0.50% · 4.625%
HK$16,654
+HK$955/mo
Deposit HK$1.39M · loan HK$3.24M · min. income ≈ HK$31,398/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$80,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,435
−HK$888/mo
▼ 0.25% · 3.875%
HK$16,875
−HK$448/mo
Today · 4.125%
HK$17,323
baseline
▲ 0.50% · 4.625%
HK$18,236
+HK$913/mo
Deposit HK$1.39M · loan HK$3.24M · min. income ≈ HK$34,646/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$80,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,994
−HK$1,191/mo
▼ 0.25% · 3.875%
HK$19,584
−HK$601/mo
Today · 4.125%
HK$20,185
baseline
▲ 0.50% · 4.625%
HK$21,413
+HK$1,228/mo
Deposit HK$463K · loan HK$4.16M · min. income ≈ HK$40,370/mo (50% DSR)
Upfront cash ≈ HK$543K (deposit + AVD stamp duty HK$80,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,130
−HK$1,142/mo
▼ 0.25% · 3.875%
HK$21,697
−HK$575/mo
Today · 4.125%
HK$22,272
baseline
▲ 0.50% · 4.625%
HK$23,446
+HK$1,174/mo
Deposit HK$463K · loan HK$4.16M · min. income ≈ HK$44,544/mo (50% DSR)
Upfront cash ≈ HK$543K (deposit + AVD stamp duty HK$80,256 · 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).