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$10,557
−HK$662/mo
▼ 0.25% · 3.875%
HK$10,886
−HK$333/mo
Today · 4.125%
HK$11,219
baseline
▲ 0.50% · 4.625%
HK$11,902
+HK$683/mo
Deposit HK$2.31M · loan HK$2.31M · min. income ≈ HK$22,438/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$80,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,745
−HK$634/mo
▼ 0.25% · 3.875%
HK$12,060
−HK$319/mo
Today · 4.125%
HK$12,379
baseline
▲ 0.50% · 4.625%
HK$13,032
+HK$653/mo
Deposit HK$2.31M · loan HK$2.31M · min. income ≈ HK$24,758/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$80,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,669
−HK$794/mo
▼ 0.25% · 3.875%
HK$13,063
−HK$400/mo
Today · 4.125%
HK$13,463
baseline
▲ 0.50% · 4.625%
HK$14,282
+HK$819/mo
Deposit HK$1.85M · loan HK$2.78M · min. income ≈ HK$26,926/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$80,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,094
−HK$761/mo
▼ 0.25% · 3.875%
HK$14,472
−HK$383/mo
Today · 4.125%
HK$14,855
baseline
▲ 0.50% · 4.625%
HK$15,638
+HK$783/mo
Deposit HK$1.85M · loan HK$2.78M · min. income ≈ HK$29,710/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$80,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,780
−HK$927/mo
▼ 0.25% · 3.875%
HK$15,240
−HK$467/mo
Today · 4.125%
HK$15,707
baseline
▲ 0.50% · 4.625%
HK$16,663
+HK$956/mo
Deposit HK$1.39M · loan HK$3.24M · min. income ≈ HK$31,414/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$80,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,443
−HK$888/mo
▼ 0.25% · 3.875%
HK$16,884
−HK$447/mo
Today · 4.125%
HK$17,331
baseline
▲ 0.50% · 4.625%
HK$18,245
+HK$914/mo
Deposit HK$1.39M · loan HK$3.24M · min. income ≈ HK$34,662/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$80,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,003
−HK$1,192/mo
▼ 0.25% · 3.875%
HK$19,594
−HK$601/mo
Today · 4.125%
HK$20,195
baseline
▲ 0.50% · 4.625%
HK$21,424
+HK$1,229/mo
Deposit HK$463K · loan HK$4.17M · min. income ≈ HK$40,390/mo (50% DSR)
Upfront cash ≈ HK$543K (deposit + AVD stamp duty HK$80,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,141
−HK$1,142/mo
▼ 0.25% · 3.875%
HK$21,708
−HK$575/mo
Today · 4.125%
HK$22,283
baseline
▲ 0.50% · 4.625%
HK$23,457
+HK$1,174/mo
Deposit HK$463K · loan HK$4.17M · min. income ≈ HK$44,566/mo (50% DSR)
Upfront cash ≈ HK$543K (deposit + AVD stamp duty HK$80,486 · 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).