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$10,455
−HK$656/mo
▼ 0.25% · 3.875%
HK$10,780
−HK$331/mo
Today · 4.125%
HK$11,111
baseline
▲ 0.50% · 4.625%
HK$11,787
+HK$676/mo
Deposit HK$2.29M · loan HK$2.29M · min. income ≈ HK$22,222/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$76,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,631
−HK$629/mo
▼ 0.25% · 3.875%
HK$11,943
−HK$317/mo
Today · 4.125%
HK$12,260
baseline
▲ 0.50% · 4.625%
HK$12,906
+HK$646/mo
Deposit HK$2.29M · loan HK$2.29M · min. income ≈ HK$24,520/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$76,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,546
−HK$787/mo
▼ 0.25% · 3.875%
HK$12,937
−HK$396/mo
Today · 4.125%
HK$13,333
baseline
▲ 0.50% · 4.625%
HK$14,144
+HK$811/mo
Deposit HK$1.83M · loan HK$2.75M · min. income ≈ HK$26,666/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$76,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,958
−HK$754/mo
▼ 0.25% · 3.875%
HK$14,332
−HK$380/mo
Today · 4.125%
HK$14,712
baseline
▲ 0.50% · 4.625%
HK$15,487
+HK$775/mo
Deposit HK$1.83M · loan HK$2.75M · min. income ≈ HK$29,424/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$76,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,637
−HK$918/mo
▼ 0.25% · 3.875%
HK$15,093
−HK$462/mo
Today · 4.125%
HK$15,555
baseline
▲ 0.50% · 4.625%
HK$16,502
+HK$947/mo
Deposit HK$1.38M · loan HK$3.21M · min. income ≈ HK$31,110/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$76,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,284
−HK$880/mo
▼ 0.25% · 3.875%
HK$16,721
−HK$443/mo
Today · 4.125%
HK$17,164
baseline
▲ 0.50% · 4.625%
HK$18,068
+HK$904/mo
Deposit HK$1.38M · loan HK$3.21M · min. income ≈ HK$34,328/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$76,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,819
−HK$1,181/mo
▼ 0.25% · 3.875%
HK$19,405
−HK$595/mo
Today · 4.125%
HK$20,000
baseline
▲ 0.50% · 4.625%
HK$21,216
+HK$1,216/mo
Deposit HK$459K · loan HK$4.13M · min. income ≈ HK$40,000/mo (50% DSR)
Upfront cash ≈ HK$535K (deposit + AVD stamp duty HK$76,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,936
−HK$1,132/mo
▼ 0.25% · 3.875%
HK$21,498
−HK$570/mo
Today · 4.125%
HK$22,068
baseline
▲ 0.50% · 4.625%
HK$23,231
+HK$1,163/mo
Deposit HK$459K · loan HK$4.13M · min. income ≈ HK$44,136/mo (50% DSR)
Upfront cash ≈ HK$535K (deposit + AVD stamp duty HK$76,012 · 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).