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$10,563
−HK$663/mo
▼ 0.25% · 3.875%
HK$10,892
−HK$334/mo
Today · 4.125%
HK$11,226
baseline
▲ 0.50% · 4.625%
HK$11,909
+HK$683/mo
Deposit HK$2.32M · loan HK$2.32M · min. income ≈ HK$22,452/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$80,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,751
−HK$635/mo
▼ 0.25% · 3.875%
HK$12,067
−HK$319/mo
Today · 4.125%
HK$12,386
baseline
▲ 0.50% · 4.625%
HK$13,039
+HK$653/mo
Deposit HK$2.32M · loan HK$2.32M · min. income ≈ HK$24,772/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$80,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,676
−HK$795/mo
▼ 0.25% · 3.875%
HK$13,070
−HK$401/mo
Today · 4.125%
HK$13,471
baseline
▲ 0.50% · 4.625%
HK$14,290
+HK$819/mo
Deposit HK$1.85M · loan HK$2.78M · min. income ≈ HK$26,942/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$80,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,102
−HK$761/mo
▼ 0.25% · 3.875%
HK$14,480
−HK$383/mo
Today · 4.125%
HK$14,863
baseline
▲ 0.50% · 4.625%
HK$15,647
+HK$784/mo
Deposit HK$1.85M · loan HK$2.78M · min. income ≈ HK$29,726/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$80,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,788
−HK$928/mo
▼ 0.25% · 3.875%
HK$15,248
−HK$468/mo
Today · 4.125%
HK$15,716
baseline
▲ 0.50% · 4.625%
HK$16,672
+HK$956/mo
Deposit HK$1.39M · loan HK$3.24M · min. income ≈ HK$31,432/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$80,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,452
−HK$889/mo
▼ 0.25% · 3.875%
HK$16,893
−HK$448/mo
Today · 4.125%
HK$17,341
baseline
▲ 0.50% · 4.625%
HK$18,255
+HK$914/mo
Deposit HK$1.39M · loan HK$3.24M · min. income ≈ HK$34,682/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$80,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,014
−HK$1,192/mo
▼ 0.25% · 3.875%
HK$19,605
−HK$601/mo
Today · 4.125%
HK$20,206
baseline
▲ 0.50% · 4.625%
HK$21,435
+HK$1,229/mo
Deposit HK$463K · loan HK$4.17M · min. income ≈ HK$40,412/mo (50% DSR)
Upfront cash ≈ HK$544K (deposit + AVD stamp duty HK$80,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,152
−HK$1,143/mo
▼ 0.25% · 3.875%
HK$21,720
−HK$575/mo
Today · 4.125%
HK$22,295
baseline
▲ 0.50% · 4.625%
HK$23,470
+HK$1,175/mo
Deposit HK$463K · loan HK$4.17M · min. income ≈ HK$44,590/mo (50% DSR)
Upfront cash ≈ HK$544K (deposit + AVD stamp duty HK$80,742 · 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).