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$10,526
−HK$660/mo
▼ 0.25% · 3.875%
HK$10,853
−HK$333/mo
Today · 4.125%
HK$11,186
baseline
▲ 0.50% · 4.625%
HK$11,866
+HK$680/mo
Deposit HK$2.31M · loan HK$2.31M · min. income ≈ HK$22,372/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$79,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,710
−HK$632/mo
▼ 0.25% · 3.875%
HK$12,024
−HK$318/mo
Today · 4.125%
HK$12,342
baseline
▲ 0.50% · 4.625%
HK$12,993
+HK$651/mo
Deposit HK$2.31M · loan HK$2.31M · min. income ≈ HK$24,684/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$79,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,631
−HK$792/mo
▼ 0.25% · 3.875%
HK$13,024
−HK$399/mo
Today · 4.125%
HK$13,423
baseline
▲ 0.50% · 4.625%
HK$14,240
+HK$817/mo
Deposit HK$1.85M · loan HK$2.77M · min. income ≈ HK$26,846/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$79,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,052
−HK$759/mo
▼ 0.25% · 3.875%
HK$14,428
−HK$383/mo
Today · 4.125%
HK$14,811
baseline
▲ 0.50% · 4.625%
HK$15,591
+HK$780/mo
Deposit HK$1.85M · loan HK$2.77M · min. income ≈ HK$29,622/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$79,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,736
−HK$924/mo
▼ 0.25% · 3.875%
HK$15,194
−HK$466/mo
Today · 4.125%
HK$15,660
baseline
▲ 0.50% · 4.625%
HK$16,613
+HK$953/mo
Deposit HK$1.38M · loan HK$3.23M · min. income ≈ HK$31,320/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$79,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,393
−HK$886/mo
▼ 0.25% · 3.875%
HK$16,833
−HK$446/mo
Today · 4.125%
HK$17,279
baseline
▲ 0.50% · 4.625%
HK$18,190
+HK$911/mo
Deposit HK$1.38M · loan HK$3.23M · min. income ≈ HK$34,558/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$79,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,946
−HK$1,188/mo
▼ 0.25% · 3.875%
HK$19,535
−HK$599/mo
Today · 4.125%
HK$20,134
baseline
▲ 0.50% · 4.625%
HK$21,359
+HK$1,225/mo
Deposit HK$462K · loan HK$4.15M · min. income ≈ HK$40,268/mo (50% DSR)
Upfront cash ≈ HK$541K (deposit + AVD stamp duty HK$79,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,077
−HK$1,139/mo
▼ 0.25% · 3.875%
HK$21,643
−HK$573/mo
Today · 4.125%
HK$22,216
baseline
▲ 0.50% · 4.625%
HK$23,387
+HK$1,171/mo
Deposit HK$462K · loan HK$4.15M · min. income ≈ HK$44,432/mo (50% DSR)
Upfront cash ≈ HK$541K (deposit + AVD stamp duty HK$79,097 · 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).