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$10,470
−HK$656/mo
▼ 0.25% · 3.875%
HK$10,795
−HK$331/mo
Today · 4.125%
HK$11,126
baseline
▲ 0.50% · 4.625%
HK$11,803
+HK$677/mo
Deposit HK$2.30M · loan HK$2.30M · min. income ≈ HK$22,252/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$76,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,647
−HK$630/mo
▼ 0.25% · 3.875%
HK$11,960
−HK$317/mo
Today · 4.125%
HK$12,277
baseline
▲ 0.50% · 4.625%
HK$12,924
+HK$647/mo
Deposit HK$2.30M · loan HK$2.30M · min. income ≈ HK$24,554/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$76,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,564
−HK$787/mo
▼ 0.25% · 3.875%
HK$12,954
−HK$397/mo
Today · 4.125%
HK$13,351
baseline
▲ 0.50% · 4.625%
HK$14,164
+HK$813/mo
Deposit HK$1.84M · loan HK$2.75M · min. income ≈ HK$26,702/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$76,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,977
−HK$755/mo
▼ 0.25% · 3.875%
HK$14,352
−HK$380/mo
Today · 4.125%
HK$14,732
baseline
▲ 0.50% · 4.625%
HK$15,509
+HK$777/mo
Deposit HK$1.84M · loan HK$2.75M · min. income ≈ HK$29,464/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$76,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,658
−HK$919/mo
▼ 0.25% · 3.875%
HK$15,114
−HK$463/mo
Today · 4.125%
HK$15,577
baseline
▲ 0.50% · 4.625%
HK$16,525
+HK$948/mo
Deposit HK$1.38M · loan HK$3.21M · min. income ≈ HK$31,154/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$76,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,306
−HK$881/mo
▼ 0.25% · 3.875%
HK$16,744
−HK$443/mo
Today · 4.125%
HK$17,187
baseline
▲ 0.50% · 4.625%
HK$18,093
+HK$906/mo
Deposit HK$1.38M · loan HK$3.21M · min. income ≈ HK$34,374/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$76,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,845
−HK$1,182/mo
▼ 0.25% · 3.875%
HK$19,432
−HK$595/mo
Today · 4.125%
HK$20,027
baseline
▲ 0.50% · 4.625%
HK$21,246
+HK$1,219/mo
Deposit HK$459K · loan HK$4.13M · min. income ≈ HK$40,054/mo (50% DSR)
Upfront cash ≈ HK$536K (deposit + AVD stamp duty HK$76,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,965
−HK$1,133/mo
▼ 0.25% · 3.875%
HK$21,528
−HK$570/mo
Today · 4.125%
HK$22,098
baseline
▲ 0.50% · 4.625%
HK$23,263
+HK$1,165/mo
Deposit HK$459K · loan HK$4.13M · min. income ≈ HK$44,196/mo (50% DSR)
Upfront cash ≈ HK$536K (deposit + AVD stamp duty HK$76,646 · 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).