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$10,512
−HK$659/mo
▼ 0.25% · 3.875%
HK$10,839
−HK$332/mo
Today · 4.125%
HK$11,171
baseline
▲ 0.50% · 4.625%
HK$11,851
+HK$680/mo
Deposit HK$2.31M · loan HK$2.31M · min. income ≈ HK$22,342/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$78,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,695
−HK$631/mo
▼ 0.25% · 3.875%
HK$12,008
−HK$318/mo
Today · 4.125%
HK$12,326
baseline
▲ 0.50% · 4.625%
HK$12,976
+HK$650/mo
Deposit HK$2.31M · loan HK$2.31M · min. income ≈ HK$24,652/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$78,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,615
−HK$791/mo
▼ 0.25% · 3.875%
HK$13,007
−HK$399/mo
Today · 4.125%
HK$13,406
baseline
▲ 0.50% · 4.625%
HK$14,221
+HK$815/mo
Deposit HK$1.84M · loan HK$2.77M · min. income ≈ HK$26,812/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$78,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,034
−HK$758/mo
▼ 0.25% · 3.875%
HK$14,410
−HK$382/mo
Today · 4.125%
HK$14,792
baseline
▲ 0.50% · 4.625%
HK$15,571
+HK$779/mo
Deposit HK$1.84M · loan HK$2.77M · min. income ≈ HK$29,584/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$78,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,717
−HK$923/mo
▼ 0.25% · 3.875%
HK$15,175
−HK$465/mo
Today · 4.125%
HK$15,640
baseline
▲ 0.50% · 4.625%
HK$16,592
+HK$952/mo
Deposit HK$1.38M · loan HK$3.23M · min. income ≈ HK$31,280/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$78,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,372
−HK$885/mo
▼ 0.25% · 3.875%
HK$16,812
−HK$445/mo
Today · 4.125%
HK$17,257
baseline
▲ 0.50% · 4.625%
HK$18,167
+HK$910/mo
Deposit HK$1.38M · loan HK$3.23M · min. income ≈ HK$34,514/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$78,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,922
−HK$1,186/mo
▼ 0.25% · 3.875%
HK$19,510
−HK$598/mo
Today · 4.125%
HK$20,108
baseline
▲ 0.50% · 4.625%
HK$21,332
+HK$1,224/mo
Deposit HK$461K · loan HK$4.15M · min. income ≈ HK$40,216/mo (50% DSR)
Upfront cash ≈ HK$540K (deposit + AVD stamp duty HK$78,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,050
−HK$1,138/mo
▼ 0.25% · 3.875%
HK$21,615
−HK$573/mo
Today · 4.125%
HK$22,188
baseline
▲ 0.50% · 4.625%
HK$23,357
+HK$1,169/mo
Deposit HK$461K · loan HK$4.15M · min. income ≈ HK$44,376/mo (50% DSR)
Upfront cash ≈ HK$540K (deposit + AVD stamp duty HK$78,507 · 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).