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$10,545
−HK$662/mo
▼ 0.25% · 3.875%
HK$10,873
−HK$334/mo
Today · 4.125%
HK$11,207
baseline
▲ 0.50% · 4.625%
HK$11,889
+HK$682/mo
Deposit HK$2.31M · loan HK$2.31M · min. income ≈ HK$22,414/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$79,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,732
−HK$634/mo
▼ 0.25% · 3.875%
HK$12,046
−HK$320/mo
Today · 4.125%
HK$12,366
baseline
▲ 0.50% · 4.625%
HK$13,017
+HK$651/mo
Deposit HK$2.31M · loan HK$2.31M · min. income ≈ HK$24,732/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$79,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,655
−HK$793/mo
▼ 0.25% · 3.875%
HK$13,048
−HK$400/mo
Today · 4.125%
HK$13,448
baseline
▲ 0.50% · 4.625%
HK$14,266
+HK$818/mo
Deposit HK$1.85M · loan HK$2.77M · min. income ≈ HK$26,896/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$79,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,078
−HK$761/mo
▼ 0.25% · 3.875%
HK$14,456
−HK$383/mo
Today · 4.125%
HK$14,839
baseline
▲ 0.50% · 4.625%
HK$15,621
+HK$782/mo
Deposit HK$1.85M · loan HK$2.77M · min. income ≈ HK$29,678/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$79,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,764
−HK$925/mo
▼ 0.25% · 3.875%
HK$15,223
−HK$466/mo
Today · 4.125%
HK$15,689
baseline
▲ 0.50% · 4.625%
HK$16,644
+HK$955/mo
Deposit HK$1.39M · loan HK$3.24M · min. income ≈ HK$31,378/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$79,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,424
−HK$888/mo
▼ 0.25% · 3.875%
HK$16,865
−HK$447/mo
Today · 4.125%
HK$17,312
baseline
▲ 0.50% · 4.625%
HK$18,224
+HK$912/mo
Deposit HK$1.39M · loan HK$3.24M · min. income ≈ HK$34,624/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$79,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,982
−HK$1,190/mo
▼ 0.25% · 3.875%
HK$19,572
−HK$600/mo
Today · 4.125%
HK$20,172
baseline
▲ 0.50% · 4.625%
HK$21,400
+HK$1,228/mo
Deposit HK$462K · loan HK$4.16M · min. income ≈ HK$40,344/mo (50% DSR)
Upfront cash ≈ HK$542K (deposit + AVD stamp duty HK$79,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,117
−HK$1,141/mo
▼ 0.25% · 3.875%
HK$21,683
−HK$575/mo
Today · 4.125%
HK$22,258
baseline
▲ 0.50% · 4.625%
HK$23,431
+HK$1,173/mo
Deposit HK$462K · loan HK$4.16M · min. income ≈ HK$44,516/mo (50% DSR)
Upfront cash ≈ HK$542K (deposit + AVD stamp duty HK$79,969 · 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).