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$10,573
−HK$663/mo
▼ 0.25% · 3.875%
HK$10,901
−HK$335/mo
Today · 4.125%
HK$11,236
baseline
▲ 0.50% · 4.625%
HK$11,919
+HK$683/mo
Deposit HK$2.32M · loan HK$2.32M · min. income ≈ HK$22,472/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$81,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,762
−HK$635/mo
▼ 0.25% · 3.875%
HK$12,077
−HK$320/mo
Today · 4.125%
HK$12,397
baseline
▲ 0.50% · 4.625%
HK$13,051
+HK$654/mo
Deposit HK$2.32M · loan HK$2.32M · min. income ≈ HK$24,794/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$81,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,687
−HK$796/mo
▼ 0.25% · 3.875%
HK$13,082
−HK$401/mo
Today · 4.125%
HK$13,483
baseline
▲ 0.50% · 4.625%
HK$14,303
+HK$820/mo
Deposit HK$1.85M · loan HK$2.78M · min. income ≈ HK$26,966/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$81,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,114
−HK$763/mo
▼ 0.25% · 3.875%
HK$14,493
−HK$384/mo
Today · 4.125%
HK$14,877
baseline
▲ 0.50% · 4.625%
HK$15,661
+HK$784/mo
Deposit HK$1.85M · loan HK$2.78M · min. income ≈ HK$29,754/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$81,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,802
−HK$928/mo
▼ 0.25% · 3.875%
HK$15,262
−HK$468/mo
Today · 4.125%
HK$15,730
baseline
▲ 0.50% · 4.625%
HK$16,687
+HK$957/mo
Deposit HK$1.39M · loan HK$3.25M · min. income ≈ HK$31,460/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$81,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,467
−HK$889/mo
▼ 0.25% · 3.875%
HK$16,908
−HK$448/mo
Today · 4.125%
HK$17,356
baseline
▲ 0.50% · 4.625%
HK$18,271
+HK$915/mo
Deposit HK$1.39M · loan HK$3.25M · min. income ≈ HK$34,712/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$81,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,031
−HK$1,193/mo
▼ 0.25% · 3.875%
HK$19,623
−HK$601/mo
Today · 4.125%
HK$20,224
baseline
▲ 0.50% · 4.625%
HK$21,455
+HK$1,231/mo
Deposit HK$464K · loan HK$4.17M · min. income ≈ HK$40,448/mo (50% DSR)
Upfront cash ≈ HK$545K (deposit + AVD stamp duty HK$81,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,171
−HK$1,144/mo
▼ 0.25% · 3.875%
HK$21,739
−HK$576/mo
Today · 4.125%
HK$22,315
baseline
▲ 0.50% · 4.625%
HK$23,492
+HK$1,177/mo
Deposit HK$464K · loan HK$4.17M · min. income ≈ HK$44,630/mo (50% DSR)
Upfront cash ≈ HK$545K (deposit + AVD stamp duty HK$81,159 · 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).