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$10,609
−HK$666/mo
▼ 0.25% · 3.875%
HK$10,939
−HK$336/mo
Today · 4.125%
HK$11,275
baseline
▲ 0.50% · 4.625%
HK$11,961
+HK$686/mo
Deposit HK$2.33M · loan HK$2.33M · min. income ≈ HK$22,550/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$82,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,803
−HK$637/mo
▼ 0.25% · 3.875%
HK$12,119
−HK$321/mo
Today · 4.125%
HK$12,440
baseline
▲ 0.50% · 4.625%
HK$13,096
+HK$656/mo
Deposit HK$2.33M · loan HK$2.33M · min. income ≈ HK$24,880/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$82,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,731
−HK$799/mo
▼ 0.25% · 3.875%
HK$13,127
−HK$403/mo
Today · 4.125%
HK$13,530
baseline
▲ 0.50% · 4.625%
HK$14,353
+HK$823/mo
Deposit HK$1.86M · loan HK$2.79M · min. income ≈ HK$27,060/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$82,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,163
−HK$766/mo
▼ 0.25% · 3.875%
HK$14,543
−HK$386/mo
Today · 4.125%
HK$14,929
baseline
▲ 0.50% · 4.625%
HK$15,715
+HK$786/mo
Deposit HK$1.86M · loan HK$2.79M · min. income ≈ HK$29,858/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$82,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,853
−HK$931/mo
▼ 0.25% · 3.875%
HK$15,315
−HK$469/mo
Today · 4.125%
HK$15,784
baseline
▲ 0.50% · 4.625%
HK$16,745
+HK$961/mo
Deposit HK$1.40M · loan HK$3.26M · min. income ≈ HK$31,568/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$82,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,524
−HK$893/mo
▼ 0.25% · 3.875%
HK$16,967
−HK$450/mo
Today · 4.125%
HK$17,417
baseline
▲ 0.50% · 4.625%
HK$18,335
+HK$918/mo
Deposit HK$1.40M · loan HK$3.26M · min. income ≈ HK$34,834/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$82,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,097
−HK$1,197/mo
▼ 0.25% · 3.875%
HK$19,691
−HK$603/mo
Today · 4.125%
HK$20,294
baseline
▲ 0.50% · 4.625%
HK$21,529
+HK$1,235/mo
Deposit HK$465K · loan HK$4.19M · min. income ≈ HK$40,588/mo (50% DSR)
Upfront cash ≈ HK$548K (deposit + AVD stamp duty HK$82,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,245
−HK$1,148/mo
▼ 0.25% · 3.875%
HK$21,815
−HK$578/mo
Today · 4.125%
HK$22,393
baseline
▲ 0.50% · 4.625%
HK$23,573
+HK$1,180/mo
Deposit HK$465K · loan HK$4.19M · min. income ≈ HK$44,786/mo (50% DSR)
Upfront cash ≈ HK$548K (deposit + AVD stamp duty HK$82,769 · 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).