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$10,487
−HK$657/mo
▼ 0.25% · 3.875%
HK$10,813
−HK$331/mo
Today · 4.125%
HK$11,144
baseline
▲ 0.50% · 4.625%
HK$11,822
+HK$678/mo
Deposit HK$2.30M · loan HK$2.30M · min. income ≈ HK$22,288/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$77,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,666
−HK$631/mo
▼ 0.25% · 3.875%
HK$11,979
−HK$318/mo
Today · 4.125%
HK$12,297
baseline
▲ 0.50% · 4.625%
HK$12,945
+HK$648/mo
Deposit HK$2.30M · loan HK$2.30M · min. income ≈ HK$24,594/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$77,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,584
−HK$789/mo
▼ 0.25% · 3.875%
HK$12,976
−HK$397/mo
Today · 4.125%
HK$13,373
baseline
▲ 0.50% · 4.625%
HK$14,187
+HK$814/mo
Deposit HK$1.84M · loan HK$2.76M · min. income ≈ HK$26,746/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$77,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,000
−HK$756/mo
▼ 0.25% · 3.875%
HK$14,375
−HK$381/mo
Today · 4.125%
HK$14,756
baseline
▲ 0.50% · 4.625%
HK$15,534
+HK$778/mo
Deposit HK$1.84M · loan HK$2.76M · min. income ≈ HK$29,512/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$77,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,681
−HK$921/mo
▼ 0.25% · 3.875%
HK$15,138
−HK$464/mo
Today · 4.125%
HK$15,602
baseline
▲ 0.50% · 4.625%
HK$16,551
+HK$949/mo
Deposit HK$1.38M · loan HK$3.22M · min. income ≈ HK$31,204/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$77,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,333
−HK$882/mo
▼ 0.25% · 3.875%
HK$16,771
−HK$444/mo
Today · 4.125%
HK$17,215
baseline
▲ 0.50% · 4.625%
HK$18,123
+HK$908/mo
Deposit HK$1.38M · loan HK$3.22M · min. income ≈ HK$34,430/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$77,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,876
−HK$1,184/mo
▼ 0.25% · 3.875%
HK$19,463
−HK$597/mo
Today · 4.125%
HK$20,060
baseline
▲ 0.50% · 4.625%
HK$21,280
+HK$1,220/mo
Deposit HK$460K · loan HK$4.14M · min. income ≈ HK$40,120/mo (50% DSR)
Upfront cash ≈ HK$537K (deposit + AVD stamp duty HK$77,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,000
−HK$1,134/mo
▼ 0.25% · 3.875%
HK$21,563
−HK$571/mo
Today · 4.125%
HK$22,134
baseline
▲ 0.50% · 4.625%
HK$23,301
+HK$1,167/mo
Deposit HK$460K · loan HK$4.14M · min. income ≈ HK$44,268/mo (50% DSR)
Upfront cash ≈ HK$537K (deposit + AVD stamp duty HK$77,394 · 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).