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$10,478
−HK$657/mo
▼ 0.25% · 3.875%
HK$10,804
−HK$331/mo
Today · 4.125%
HK$11,135
baseline
▲ 0.50% · 4.625%
HK$11,812
+HK$677/mo
Deposit HK$2.30M · loan HK$2.30M · min. income ≈ HK$22,270/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$76,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,656
−HK$630/mo
▼ 0.25% · 3.875%
HK$11,969
−HK$317/mo
Today · 4.125%
HK$12,286
baseline
▲ 0.50% · 4.625%
HK$12,934
+HK$648/mo
Deposit HK$2.30M · loan HK$2.30M · min. income ≈ HK$24,572/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$76,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,573
−HK$789/mo
▼ 0.25% · 3.875%
HK$12,964
−HK$398/mo
Today · 4.125%
HK$13,362
baseline
▲ 0.50% · 4.625%
HK$14,175
+HK$813/mo
Deposit HK$1.84M · loan HK$2.76M · min. income ≈ HK$26,724/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$76,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,988
−HK$755/mo
▼ 0.25% · 3.875%
HK$14,363
−HK$380/mo
Today · 4.125%
HK$14,743
baseline
▲ 0.50% · 4.625%
HK$15,521
+HK$778/mo
Deposit HK$1.84M · loan HK$2.76M · min. income ≈ HK$29,486/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$76,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,669
−HK$920/mo
▼ 0.25% · 3.875%
HK$15,125
−HK$464/mo
Today · 4.125%
HK$15,589
baseline
▲ 0.50% · 4.625%
HK$16,537
+HK$948/mo
Deposit HK$1.38M · loan HK$3.22M · min. income ≈ HK$31,178/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$76,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,319
−HK$882/mo
▼ 0.25% · 3.875%
HK$16,757
−HK$444/mo
Today · 4.125%
HK$17,201
baseline
▲ 0.50% · 4.625%
HK$18,107
+HK$906/mo
Deposit HK$1.38M · loan HK$3.22M · min. income ≈ HK$34,402/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$76,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,860
−HK$1,183/mo
▼ 0.25% · 3.875%
HK$19,447
−HK$596/mo
Today · 4.125%
HK$20,043
baseline
▲ 0.50% · 4.625%
HK$21,262
+HK$1,219/mo
Deposit HK$459K · loan HK$4.14M · min. income ≈ HK$40,086/mo (50% DSR)
Upfront cash ≈ HK$536K (deposit + AVD stamp duty HK$76,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,981
−HK$1,134/mo
▼ 0.25% · 3.875%
HK$21,544
−HK$571/mo
Today · 4.125%
HK$22,115
baseline
▲ 0.50% · 4.625%
HK$23,281
+HK$1,166/mo
Deposit HK$459K · loan HK$4.14M · min. income ≈ HK$44,230/mo (50% DSR)
Upfront cash ≈ HK$536K (deposit + AVD stamp duty HK$76,999 · 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).