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$10,627
−HK$667/mo
▼ 0.25% · 3.875%
HK$10,958
−HK$336/mo
Today · 4.125%
HK$11,294
baseline
▲ 0.50% · 4.625%
HK$11,981
+HK$687/mo
Deposit HK$2.33M · loan HK$2.33M · min. income ≈ HK$22,588/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$83,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,823
−HK$638/mo
▼ 0.25% · 3.875%
HK$12,140
−HK$321/mo
Today · 4.125%
HK$12,461
baseline
▲ 0.50% · 4.625%
HK$13,118
+HK$657/mo
Deposit HK$2.33M · loan HK$2.33M · min. income ≈ HK$24,922/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$83,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,753
−HK$799/mo
▼ 0.25% · 3.875%
HK$13,149
−HK$403/mo
Today · 4.125%
HK$13,552
baseline
▲ 0.50% · 4.625%
HK$14,377
+HK$825/mo
Deposit HK$1.86M · loan HK$2.80M · min. income ≈ HK$27,104/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$83,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,187
−HK$767/mo
▼ 0.25% · 3.875%
HK$14,568
−HK$386/mo
Today · 4.125%
HK$14,954
baseline
▲ 0.50% · 4.625%
HK$15,742
+HK$788/mo
Deposit HK$1.86M · loan HK$2.80M · min. income ≈ HK$29,908/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$83,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,878
−HK$933/mo
▼ 0.25% · 3.875%
HK$15,341
−HK$470/mo
Today · 4.125%
HK$15,811
baseline
▲ 0.50% · 4.625%
HK$16,773
+HK$962/mo
Deposit HK$1.40M · loan HK$3.26M · min. income ≈ HK$31,622/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$83,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,552
−HK$894/mo
▼ 0.25% · 3.875%
HK$16,996
−HK$450/mo
Today · 4.125%
HK$17,446
baseline
▲ 0.50% · 4.625%
HK$18,366
+HK$920/mo
Deposit HK$1.40M · loan HK$3.26M · min. income ≈ HK$34,892/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$83,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,129
−HK$1,200/mo
▼ 0.25% · 3.875%
HK$19,724
−HK$605/mo
Today · 4.125%
HK$20,329
baseline
▲ 0.50% · 4.625%
HK$21,566
+HK$1,237/mo
Deposit HK$466K · loan HK$4.19M · min. income ≈ HK$40,658/mo (50% DSR)
Upfront cash ≈ HK$550K (deposit + AVD stamp duty HK$83,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,281
−HK$1,150/mo
▼ 0.25% · 3.875%
HK$21,852
−HK$579/mo
Today · 4.125%
HK$22,431
baseline
▲ 0.50% · 4.625%
HK$23,613
+HK$1,182/mo
Deposit HK$466K · loan HK$4.19M · min. income ≈ HK$44,862/mo (50% DSR)
Upfront cash ≈ HK$550K (deposit + AVD stamp duty HK$83,554 · 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).