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$10,555
−HK$662/mo
▼ 0.25% · 3.875%
HK$10,883
−HK$334/mo
Today · 4.125%
HK$11,217
baseline
▲ 0.50% · 4.625%
HK$11,899
+HK$682/mo
Deposit HK$2.31M · loan HK$2.31M · min. income ≈ HK$22,434/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$80,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,742
−HK$634/mo
▼ 0.25% · 3.875%
HK$12,057
−HK$319/mo
Today · 4.125%
HK$12,376
baseline
▲ 0.50% · 4.625%
HK$13,029
+HK$653/mo
Deposit HK$2.31M · loan HK$2.31M · min. income ≈ HK$24,752/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$80,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,666
−HK$794/mo
▼ 0.25% · 3.875%
HK$13,060
−HK$400/mo
Today · 4.125%
HK$13,460
baseline
▲ 0.50% · 4.625%
HK$14,279
+HK$819/mo
Deposit HK$1.85M · loan HK$2.78M · min. income ≈ HK$26,920/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$80,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,090
−HK$762/mo
▼ 0.25% · 3.875%
HK$14,468
−HK$384/mo
Today · 4.125%
HK$14,852
baseline
▲ 0.50% · 4.625%
HK$15,634
+HK$782/mo
Deposit HK$1.85M · loan HK$2.78M · min. income ≈ HK$29,704/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$80,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,777
−HK$926/mo
▼ 0.25% · 3.875%
HK$15,236
−HK$467/mo
Today · 4.125%
HK$15,703
baseline
▲ 0.50% · 4.625%
HK$16,659
+HK$956/mo
Deposit HK$1.39M · loan HK$3.24M · min. income ≈ HK$31,406/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$80,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,439
−HK$888/mo
▼ 0.25% · 3.875%
HK$16,880
−HK$447/mo
Today · 4.125%
HK$17,327
baseline
▲ 0.50% · 4.625%
HK$18,240
+HK$913/mo
Deposit HK$1.39M · loan HK$3.24M · min. income ≈ HK$34,654/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$80,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,998
−HK$1,192/mo
▼ 0.25% · 3.875%
HK$19,589
−HK$601/mo
Today · 4.125%
HK$20,190
baseline
▲ 0.50% · 4.625%
HK$21,418
+HK$1,228/mo
Deposit HK$463K · loan HK$4.17M · min. income ≈ HK$40,380/mo (50% DSR)
Upfront cash ≈ HK$543K (deposit + AVD stamp duty HK$80,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,136
−HK$1,141/mo
▼ 0.25% · 3.875%
HK$21,702
−HK$575/mo
Today · 4.125%
HK$22,277
baseline
▲ 0.50% · 4.625%
HK$23,452
+HK$1,175/mo
Deposit HK$463K · loan HK$4.17M · min. income ≈ HK$44,554/mo (50% DSR)
Upfront cash ≈ HK$543K (deposit + AVD stamp duty HK$80,372 · 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).