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$10,547
−HK$662/mo
▼ 0.25% · 3.875%
HK$10,875
−HK$334/mo
Today · 4.125%
HK$11,209
baseline
▲ 0.50% · 4.625%
HK$11,891
+HK$682/mo
Deposit HK$2.31M · loan HK$2.31M · min. income ≈ HK$22,418/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$80,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,734
−HK$633/mo
▼ 0.25% · 3.875%
HK$12,048
−HK$319/mo
Today · 4.125%
HK$12,367
baseline
▲ 0.50% · 4.625%
HK$13,019
+HK$652/mo
Deposit HK$2.31M · loan HK$2.31M · min. income ≈ HK$24,734/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$80,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,657
−HK$793/mo
▼ 0.25% · 3.875%
HK$13,050
−HK$400/mo
Today · 4.125%
HK$13,450
baseline
▲ 0.50% · 4.625%
HK$14,269
+HK$819/mo
Deposit HK$1.85M · loan HK$2.78M · min. income ≈ HK$26,900/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$80,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,080
−HK$761/mo
▼ 0.25% · 3.875%
HK$14,458
−HK$383/mo
Today · 4.125%
HK$14,841
baseline
▲ 0.50% · 4.625%
HK$15,623
+HK$782/mo
Deposit HK$1.85M · loan HK$2.78M · min. income ≈ HK$29,682/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$80,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,766
−HK$926/mo
▼ 0.25% · 3.875%
HK$15,225
−HK$467/mo
Today · 4.125%
HK$15,692
baseline
▲ 0.50% · 4.625%
HK$16,647
+HK$955/mo
Deposit HK$1.39M · loan HK$3.24M · min. income ≈ HK$31,384/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$80,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,427
−HK$887/mo
▼ 0.25% · 3.875%
HK$16,868
−HK$446/mo
Today · 4.125%
HK$17,314
baseline
▲ 0.50% · 4.625%
HK$18,227
+HK$913/mo
Deposit HK$1.39M · loan HK$3.24M · min. income ≈ HK$34,628/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$80,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,985
−HK$1,190/mo
▼ 0.25% · 3.875%
HK$19,575
−HK$600/mo
Today · 4.125%
HK$20,175
baseline
▲ 0.50% · 4.625%
HK$21,403
+HK$1,228/mo
Deposit HK$463K · loan HK$4.16M · min. income ≈ HK$40,350/mo (50% DSR)
Upfront cash ≈ HK$543K (deposit + AVD stamp duty HK$80,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,120
−HK$1,141/mo
▼ 0.25% · 3.875%
HK$21,687
−HK$574/mo
Today · 4.125%
HK$22,261
baseline
▲ 0.50% · 4.625%
HK$23,435
+HK$1,174/mo
Deposit HK$463K · loan HK$4.16M · min. income ≈ HK$44,522/mo (50% DSR)
Upfront cash ≈ HK$543K (deposit + AVD stamp duty HK$80,041 · 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).