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$10,493
−HK$658/mo
▼ 0.25% · 3.875%
HK$10,820
−HK$331/mo
Today · 4.125%
HK$11,151
baseline
▲ 0.50% · 4.625%
HK$11,830
+HK$679/mo
Deposit HK$2.30M · loan HK$2.30M · min. income ≈ HK$22,302/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$77,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,674
−HK$630/mo
▼ 0.25% · 3.875%
HK$11,987
−HK$317/mo
Today · 4.125%
HK$12,304
baseline
▲ 0.50% · 4.625%
HK$12,953
+HK$649/mo
Deposit HK$2.30M · loan HK$2.30M · min. income ≈ HK$24,608/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$77,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,592
−HK$790/mo
▼ 0.25% · 3.875%
HK$12,984
−HK$398/mo
Today · 4.125%
HK$13,382
baseline
▲ 0.50% · 4.625%
HK$14,196
+HK$814/mo
Deposit HK$1.84M · loan HK$2.76M · min. income ≈ HK$26,764/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$77,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,009
−HK$756/mo
▼ 0.25% · 3.875%
HK$14,384
−HK$381/mo
Today · 4.125%
HK$14,765
baseline
▲ 0.50% · 4.625%
HK$15,544
+HK$779/mo
Deposit HK$1.84M · loan HK$2.76M · min. income ≈ HK$29,530/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$77,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,691
−HK$921/mo
▼ 0.25% · 3.875%
HK$15,148
−HK$464/mo
Today · 4.125%
HK$15,612
baseline
▲ 0.50% · 4.625%
HK$16,562
+HK$950/mo
Deposit HK$1.38M · loan HK$3.22M · min. income ≈ HK$31,224/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$77,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,343
−HK$883/mo
▼ 0.25% · 3.875%
HK$16,782
−HK$444/mo
Today · 4.125%
HK$17,226
baseline
▲ 0.50% · 4.625%
HK$18,134
+HK$908/mo
Deposit HK$1.38M · loan HK$3.22M · min. income ≈ HK$34,452/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$77,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,888
−HK$1,185/mo
▼ 0.25% · 3.875%
HK$19,476
−HK$597/mo
Today · 4.125%
HK$20,073
baseline
▲ 0.50% · 4.625%
HK$21,294
+HK$1,221/mo
Deposit HK$460K · loan HK$4.14M · min. income ≈ HK$40,146/mo (50% DSR)
Upfront cash ≈ HK$538K (deposit + AVD stamp duty HK$77,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,013
−HK$1,135/mo
▼ 0.25% · 3.875%
HK$21,576
−HK$572/mo
Today · 4.125%
HK$22,148
baseline
▲ 0.50% · 4.625%
HK$23,316
+HK$1,168/mo
Deposit HK$460K · loan HK$4.14M · min. income ≈ HK$44,296/mo (50% DSR)
Upfront cash ≈ HK$538K (deposit + AVD stamp duty HK$77,685 · 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).