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$10,510
−HK$660/mo
▼ 0.25% · 3.875%
HK$10,837
−HK$333/mo
Today · 4.125%
HK$11,170
baseline
▲ 0.50% · 4.625%
HK$11,849
+HK$679/mo
Deposit HK$2.30M · loan HK$2.30M · min. income ≈ HK$22,340/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$78,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,693
−HK$631/mo
▼ 0.25% · 3.875%
HK$12,006
−HK$318/mo
Today · 4.125%
HK$12,324
baseline
▲ 0.50% · 4.625%
HK$12,974
+HK$650/mo
Deposit HK$2.30M · loan HK$2.30M · min. income ≈ HK$24,648/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$78,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,613
−HK$790/mo
▼ 0.25% · 3.875%
HK$13,005
−HK$398/mo
Today · 4.125%
HK$13,403
baseline
▲ 0.50% · 4.625%
HK$14,219
+HK$816/mo
Deposit HK$1.84M · loan HK$2.77M · min. income ≈ HK$26,806/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$78,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,031
−HK$758/mo
▼ 0.25% · 3.875%
HK$14,408
−HK$381/mo
Today · 4.125%
HK$14,789
baseline
▲ 0.50% · 4.625%
HK$15,569
+HK$780/mo
Deposit HK$1.84M · loan HK$2.77M · min. income ≈ HK$29,578/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$78,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,715
−HK$922/mo
▼ 0.25% · 3.875%
HK$15,172
−HK$465/mo
Today · 4.125%
HK$15,637
baseline
▲ 0.50% · 4.625%
HK$16,589
+HK$952/mo
Deposit HK$1.38M · loan HK$3.23M · min. income ≈ HK$31,274/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$78,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,370
−HK$884/mo
▼ 0.25% · 3.875%
HK$16,809
−HK$445/mo
Today · 4.125%
HK$17,254
baseline
▲ 0.50% · 4.625%
HK$18,164
+HK$910/mo
Deposit HK$1.38M · loan HK$3.23M · min. income ≈ HK$34,508/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$78,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,919
−HK$1,186/mo
▼ 0.25% · 3.875%
HK$19,507
−HK$598/mo
Today · 4.125%
HK$20,105
baseline
▲ 0.50% · 4.625%
HK$21,329
+HK$1,224/mo
Deposit HK$461K · loan HK$4.15M · min. income ≈ HK$40,210/mo (50% DSR)
Upfront cash ≈ HK$539K (deposit + AVD stamp duty HK$78,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,047
−HK$1,137/mo
▼ 0.25% · 3.875%
HK$21,611
−HK$573/mo
Today · 4.125%
HK$22,184
baseline
▲ 0.50% · 4.625%
HK$23,353
+HK$1,169/mo
Deposit HK$461K · loan HK$4.15M · min. income ≈ HK$44,368/mo (50% DSR)
Upfront cash ≈ HK$539K (deposit + AVD stamp duty HK$78,433 · 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).