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$10,479
−HK$657/mo
▼ 0.25% · 3.875%
HK$10,805
−HK$331/mo
Today · 4.125%
HK$11,136
baseline
▲ 0.50% · 4.625%
HK$11,814
+HK$678/mo
Deposit HK$2.30M · loan HK$2.30M · min. income ≈ HK$22,272/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$77,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,658
−HK$630/mo
▼ 0.25% · 3.875%
HK$11,971
−HK$317/mo
Today · 4.125%
HK$12,288
baseline
▲ 0.50% · 4.625%
HK$12,936
+HK$648/mo
Deposit HK$2.30M · loan HK$2.30M · min. income ≈ HK$24,576/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$77,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,575
−HK$789/mo
▼ 0.25% · 3.875%
HK$12,966
−HK$398/mo
Today · 4.125%
HK$13,364
baseline
▲ 0.50% · 4.625%
HK$14,177
+HK$813/mo
Deposit HK$1.84M · loan HK$2.76M · min. income ≈ HK$26,728/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$77,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,990
−HK$755/mo
▼ 0.25% · 3.875%
HK$14,365
−HK$380/mo
Today · 4.125%
HK$14,745
baseline
▲ 0.50% · 4.625%
HK$15,523
+HK$778/mo
Deposit HK$1.84M · loan HK$2.76M · min. income ≈ HK$29,490/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$77,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,671
−HK$920/mo
▼ 0.25% · 3.875%
HK$15,127
−HK$464/mo
Today · 4.125%
HK$15,591
baseline
▲ 0.50% · 4.625%
HK$16,540
+HK$949/mo
Deposit HK$1.38M · loan HK$3.22M · min. income ≈ HK$31,182/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$77,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,321
−HK$882/mo
▼ 0.25% · 3.875%
HK$16,759
−HK$444/mo
Today · 4.125%
HK$17,203
baseline
▲ 0.50% · 4.625%
HK$18,110
+HK$907/mo
Deposit HK$1.38M · loan HK$3.22M · min. income ≈ HK$34,406/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$77,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,863
−HK$1,182/mo
▼ 0.25% · 3.875%
HK$19,449
−HK$596/mo
Today · 4.125%
HK$20,045
baseline
▲ 0.50% · 4.625%
HK$21,265
+HK$1,220/mo
Deposit HK$460K · loan HK$4.14M · min. income ≈ HK$40,090/mo (50% DSR)
Upfront cash ≈ HK$537K (deposit + AVD stamp duty HK$77,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,984
−HK$1,134/mo
▼ 0.25% · 3.875%
HK$21,547
−HK$571/mo
Today · 4.125%
HK$22,118
baseline
▲ 0.50% · 4.625%
HK$23,284
+HK$1,166/mo
Deposit HK$460K · loan HK$4.14M · min. income ≈ HK$44,236/mo (50% DSR)
Upfront cash ≈ HK$537K (deposit + AVD stamp duty HK$77,062 · 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).