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$10,546
−HK$661/mo
▼ 0.25% · 3.875%
HK$10,874
−HK$333/mo
Today · 4.125%
HK$11,207
baseline
▲ 0.50% · 4.625%
HK$11,889
+HK$682/mo
Deposit HK$2.31M · loan HK$2.31M · min. income ≈ HK$22,414/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$79,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,732
−HK$634/mo
▼ 0.25% · 3.875%
HK$12,047
−HK$319/mo
Today · 4.125%
HK$12,366
baseline
▲ 0.50% · 4.625%
HK$13,018
+HK$652/mo
Deposit HK$2.31M · loan HK$2.31M · min. income ≈ HK$24,732/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$79,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,655
−HK$794/mo
▼ 0.25% · 3.875%
HK$13,049
−HK$400/mo
Today · 4.125%
HK$13,449
baseline
▲ 0.50% · 4.625%
HK$14,267
+HK$818/mo
Deposit HK$1.85M · loan HK$2.77M · min. income ≈ HK$26,898/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$79,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,079
−HK$760/mo
▼ 0.25% · 3.875%
HK$14,456
−HK$383/mo
Today · 4.125%
HK$14,839
baseline
▲ 0.50% · 4.625%
HK$15,622
+HK$783/mo
Deposit HK$1.85M · loan HK$2.77M · min. income ≈ HK$29,678/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$79,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,764
−HK$926/mo
▼ 0.25% · 3.875%
HK$15,224
−HK$466/mo
Today · 4.125%
HK$15,690
baseline
▲ 0.50% · 4.625%
HK$16,645
+HK$955/mo
Deposit HK$1.39M · loan HK$3.24M · min. income ≈ HK$31,380/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$79,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,425
−HK$888/mo
▼ 0.25% · 3.875%
HK$16,866
−HK$447/mo
Today · 4.125%
HK$17,313
baseline
▲ 0.50% · 4.625%
HK$18,225
+HK$912/mo
Deposit HK$1.39M · loan HK$3.24M · min. income ≈ HK$34,626/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$79,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,983
−HK$1,190/mo
▼ 0.25% · 3.875%
HK$19,573
−HK$600/mo
Today · 4.125%
HK$20,173
baseline
▲ 0.50% · 4.625%
HK$21,401
+HK$1,228/mo
Deposit HK$462K · loan HK$4.16M · min. income ≈ HK$40,346/mo (50% DSR)
Upfront cash ≈ HK$542K (deposit + AVD stamp duty HK$79,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,118
−HK$1,141/mo
▼ 0.25% · 3.875%
HK$21,684
−HK$575/mo
Today · 4.125%
HK$22,259
baseline
▲ 0.50% · 4.625%
HK$23,432
+HK$1,173/mo
Deposit HK$462K · loan HK$4.16M · min. income ≈ HK$44,518/mo (50% DSR)
Upfront cash ≈ HK$542K (deposit + AVD stamp duty HK$79,989 · 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).