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$10,465
−HK$656/mo
▼ 0.25% · 3.875%
HK$10,790
−HK$331/mo
Today · 4.125%
HK$11,121
baseline
▲ 0.50% · 4.625%
HK$11,797
+HK$676/mo
Deposit HK$2.29M · loan HK$2.29M · min. income ≈ HK$22,242/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$76,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,642
−HK$629/mo
▼ 0.25% · 3.875%
HK$11,954
−HK$317/mo
Today · 4.125%
HK$12,271
baseline
▲ 0.50% · 4.625%
HK$12,918
+HK$647/mo
Deposit HK$2.29M · loan HK$2.29M · min. income ≈ HK$24,542/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$76,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,558
−HK$787/mo
▼ 0.25% · 3.875%
HK$12,948
−HK$397/mo
Today · 4.125%
HK$13,345
baseline
▲ 0.50% · 4.625%
HK$14,157
+HK$812/mo
Deposit HK$1.84M · loan HK$2.75M · min. income ≈ HK$26,690/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$76,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,970
−HK$755/mo
▼ 0.25% · 3.875%
HK$14,345
−HK$380/mo
Today · 4.125%
HK$14,725
baseline
▲ 0.50% · 4.625%
HK$15,501
+HK$776/mo
Deposit HK$1.84M · loan HK$2.75M · min. income ≈ HK$29,450/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$76,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,650
−HK$919/mo
▼ 0.25% · 3.875%
HK$15,106
−HK$463/mo
Today · 4.125%
HK$15,569
baseline
▲ 0.50% · 4.625%
HK$16,516
+HK$947/mo
Deposit HK$1.38M · loan HK$3.21M · min. income ≈ HK$31,138/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$76,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,298
−HK$881/mo
▼ 0.25% · 3.875%
HK$16,736
−HK$443/mo
Today · 4.125%
HK$17,179
baseline
▲ 0.50% · 4.625%
HK$18,085
+HK$906/mo
Deposit HK$1.38M · loan HK$3.21M · min. income ≈ HK$34,358/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$76,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,836
−HK$1,181/mo
▼ 0.25% · 3.875%
HK$19,422
−HK$595/mo
Today · 4.125%
HK$20,017
baseline
▲ 0.50% · 4.625%
HK$21,235
+HK$1,218/mo
Deposit HK$459K · loan HK$4.13M · min. income ≈ HK$40,034/mo (50% DSR)
Upfront cash ≈ HK$535K (deposit + AVD stamp duty HK$76,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,955
−HK$1,132/mo
▼ 0.25% · 3.875%
HK$21,517
−HK$570/mo
Today · 4.125%
HK$22,087
baseline
▲ 0.50% · 4.625%
HK$23,252
+HK$1,165/mo
Deposit HK$459K · loan HK$4.13M · min. income ≈ HK$44,174/mo (50% DSR)
Upfront cash ≈ HK$535K (deposit + AVD stamp duty HK$76,422 · 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).