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$10,575
−HK$663/mo
▼ 0.25% · 3.875%
HK$10,904
−HK$334/mo
Today · 4.125%
HK$11,238
baseline
▲ 0.50% · 4.625%
HK$11,922
+HK$684/mo
Deposit HK$2.32M · loan HK$2.32M · min. income ≈ HK$22,476/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$81,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,765
−HK$635/mo
▼ 0.25% · 3.875%
HK$12,080
−HK$320/mo
Today · 4.125%
HK$12,400
baseline
▲ 0.50% · 4.625%
HK$13,054
+HK$654/mo
Deposit HK$2.32M · loan HK$2.32M · min. income ≈ HK$24,800/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$81,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,690
−HK$796/mo
▼ 0.25% · 3.875%
HK$13,085
−HK$401/mo
Today · 4.125%
HK$13,486
baseline
▲ 0.50% · 4.625%
HK$14,306
+HK$820/mo
Deposit HK$1.86M · loan HK$2.78M · min. income ≈ HK$26,972/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$81,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,118
−HK$762/mo
▼ 0.25% · 3.875%
HK$14,496
−HK$384/mo
Today · 4.125%
HK$14,880
baseline
▲ 0.50% · 4.625%
HK$15,665
+HK$785/mo
Deposit HK$1.86M · loan HK$2.78M · min. income ≈ HK$29,760/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$81,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,805
−HK$928/mo
▼ 0.25% · 3.875%
HK$15,266
−HK$467/mo
Today · 4.125%
HK$15,733
baseline
▲ 0.50% · 4.625%
HK$16,691
+HK$958/mo
Deposit HK$1.39M · loan HK$3.25M · min. income ≈ HK$31,466/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$81,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,470
−HK$890/mo
▼ 0.25% · 3.875%
HK$16,912
−HK$448/mo
Today · 4.125%
HK$17,360
baseline
▲ 0.50% · 4.625%
HK$18,275
+HK$915/mo
Deposit HK$1.39M · loan HK$3.25M · min. income ≈ HK$34,720/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$81,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,035
−HK$1,194/mo
▼ 0.25% · 3.875%
HK$19,627
−HK$602/mo
Today · 4.125%
HK$20,229
baseline
▲ 0.50% · 4.625%
HK$21,460
+HK$1,231/mo
Deposit HK$464K · loan HK$4.17M · min. income ≈ HK$40,458/mo (50% DSR)
Upfront cash ≈ HK$545K (deposit + AVD stamp duty HK$81,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,176
−HK$1,144/mo
▼ 0.25% · 3.875%
HK$21,744
−HK$576/mo
Today · 4.125%
HK$22,320
baseline
▲ 0.50% · 4.625%
HK$23,497
+HK$1,177/mo
Deposit HK$464K · loan HK$4.17M · min. income ≈ HK$44,640/mo (50% DSR)
Upfront cash ≈ HK$545K (deposit + AVD stamp duty HK$81,265 · 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).