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$10,611
−HK$665/mo
▼ 0.25% · 3.875%
HK$10,941
−HK$335/mo
Today · 4.125%
HK$11,276
baseline
▲ 0.50% · 4.625%
HK$11,962
+HK$686/mo
Deposit HK$2.33M · loan HK$2.33M · min. income ≈ HK$22,552/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$82,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,804
−HK$638/mo
▼ 0.25% · 3.875%
HK$12,121
−HK$321/mo
Today · 4.125%
HK$12,442
baseline
▲ 0.50% · 4.625%
HK$13,098
+HK$656/mo
Deposit HK$2.33M · loan HK$2.33M · min. income ≈ HK$24,884/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$82,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,733
−HK$798/mo
▼ 0.25% · 3.875%
HK$13,129
−HK$402/mo
Today · 4.125%
HK$13,531
baseline
▲ 0.50% · 4.625%
HK$14,355
+HK$824/mo
Deposit HK$1.86M · loan HK$2.79M · min. income ≈ HK$27,062/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$82,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,165
−HK$765/mo
▼ 0.25% · 3.875%
HK$14,545
−HK$385/mo
Today · 4.125%
HK$14,930
baseline
▲ 0.50% · 4.625%
HK$15,717
+HK$787/mo
Deposit HK$1.86M · loan HK$2.79M · min. income ≈ HK$29,860/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$82,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,855
−HK$931/mo
▼ 0.25% · 3.875%
HK$15,317
−HK$469/mo
Today · 4.125%
HK$15,786
baseline
▲ 0.50% · 4.625%
HK$16,747
+HK$961/mo
Deposit HK$1.40M · loan HK$3.26M · min. income ≈ HK$31,572/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$82,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,526
−HK$893/mo
▼ 0.25% · 3.875%
HK$16,969
−HK$450/mo
Today · 4.125%
HK$17,419
baseline
▲ 0.50% · 4.625%
HK$18,337
+HK$918/mo
Deposit HK$1.40M · loan HK$3.26M · min. income ≈ HK$34,838/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$82,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,099
−HK$1,198/mo
▼ 0.25% · 3.875%
HK$19,693
−HK$604/mo
Today · 4.125%
HK$20,297
baseline
▲ 0.50% · 4.625%
HK$21,532
+HK$1,235/mo
Deposit HK$465K · loan HK$4.19M · min. income ≈ HK$40,594/mo (50% DSR)
Upfront cash ≈ HK$548K (deposit + AVD stamp duty HK$82,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,248
−HK$1,147/mo
▼ 0.25% · 3.875%
HK$21,817
−HK$578/mo
Today · 4.125%
HK$22,395
baseline
▲ 0.50% · 4.625%
HK$23,576
+HK$1,181/mo
Deposit HK$465K · loan HK$4.19M · min. income ≈ HK$44,790/mo (50% DSR)
Upfront cash ≈ HK$548K (deposit + AVD stamp duty HK$82,826 · 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).