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$10,638
−HK$667/mo
▼ 0.25% · 3.875%
HK$10,969
−HK$336/mo
Today · 4.125%
HK$11,305
baseline
▲ 0.50% · 4.625%
HK$11,993
+HK$688/mo
Deposit HK$2.33M · loan HK$2.33M · min. income ≈ HK$22,610/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$84,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,834
−HK$640/mo
▼ 0.25% · 3.875%
HK$12,152
−HK$322/mo
Today · 4.125%
HK$12,474
baseline
▲ 0.50% · 4.625%
HK$13,131
+HK$657/mo
Deposit HK$2.33M · loan HK$2.33M · min. income ≈ HK$24,948/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$84,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,765
−HK$801/mo
▼ 0.25% · 3.875%
HK$13,162
−HK$404/mo
Today · 4.125%
HK$13,566
baseline
▲ 0.50% · 4.625%
HK$14,391
+HK$825/mo
Deposit HK$1.87M · loan HK$2.80M · min. income ≈ HK$27,132/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$84,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,201
−HK$767/mo
▼ 0.25% · 3.875%
HK$14,582
−HK$386/mo
Today · 4.125%
HK$14,968
baseline
▲ 0.50% · 4.625%
HK$15,757
+HK$789/mo
Deposit HK$1.87M · loan HK$2.80M · min. income ≈ HK$29,936/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$84,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,893
−HK$934/mo
▼ 0.25% · 3.875%
HK$15,356
−HK$471/mo
Today · 4.125%
HK$15,827
baseline
▲ 0.50% · 4.625%
HK$16,790
+HK$963/mo
Deposit HK$1.40M · loan HK$3.27M · min. income ≈ HK$31,654/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$84,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,568
−HK$895/mo
▼ 0.25% · 3.875%
HK$17,012
−HK$451/mo
Today · 4.125%
HK$17,463
baseline
▲ 0.50% · 4.625%
HK$18,384
+HK$921/mo
Deposit HK$1.40M · loan HK$3.27M · min. income ≈ HK$34,926/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$84,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,148
−HK$1,201/mo
▼ 0.25% · 3.875%
HK$19,743
−HK$606/mo
Today · 4.125%
HK$20,349
baseline
▲ 0.50% · 4.625%
HK$21,587
+HK$1,238/mo
Deposit HK$467K · loan HK$4.20M · min. income ≈ HK$40,698/mo (50% DSR)
Upfront cash ≈ HK$551K (deposit + AVD stamp duty HK$84,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,302
−HK$1,151/mo
▼ 0.25% · 3.875%
HK$21,873
−HK$580/mo
Today · 4.125%
HK$22,453
baseline
▲ 0.50% · 4.625%
HK$23,636
+HK$1,183/mo
Deposit HK$467K · loan HK$4.20M · min. income ≈ HK$44,906/mo (50% DSR)
Upfront cash ≈ HK$551K (deposit + AVD stamp duty HK$84,013 · 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).