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$10,535
−HK$660/mo
▼ 0.25% · 3.875%
HK$10,862
−HK$333/mo
Today · 4.125%
HK$11,195
baseline
▲ 0.50% · 4.625%
HK$11,876
+HK$681/mo
Deposit HK$2.31M · loan HK$2.31M · min. income ≈ HK$22,390/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$79,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,720
−HK$633/mo
▼ 0.25% · 3.875%
HK$12,034
−HK$319/mo
Today · 4.125%
HK$12,353
baseline
▲ 0.50% · 4.625%
HK$13,004
+HK$651/mo
Deposit HK$2.31M · loan HK$2.31M · min. income ≈ HK$24,706/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$79,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,642
−HK$792/mo
▼ 0.25% · 3.875%
HK$13,035
−HK$399/mo
Today · 4.125%
HK$13,434
baseline
▲ 0.50% · 4.625%
HK$14,252
+HK$818/mo
Deposit HK$1.85M · loan HK$2.77M · min. income ≈ HK$26,868/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$79,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,064
−HK$759/mo
▼ 0.25% · 3.875%
HK$14,441
−HK$382/mo
Today · 4.125%
HK$14,823
baseline
▲ 0.50% · 4.625%
HK$15,605
+HK$782/mo
Deposit HK$1.85M · loan HK$2.77M · min. income ≈ HK$29,646/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$79,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,749
−HK$924/mo
▼ 0.25% · 3.875%
HK$15,207
−HK$466/mo
Today · 4.125%
HK$15,673
baseline
▲ 0.50% · 4.625%
HK$16,627
+HK$954/mo
Deposit HK$1.39M · loan HK$3.23M · min. income ≈ HK$31,346/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$79,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,408
−HK$886/mo
▼ 0.25% · 3.875%
HK$16,848
−HK$446/mo
Today · 4.125%
HK$17,294
baseline
▲ 0.50% · 4.625%
HK$18,206
+HK$912/mo
Deposit HK$1.39M · loan HK$3.23M · min. income ≈ HK$34,588/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$79,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,962
−HK$1,190/mo
▼ 0.25% · 3.875%
HK$19,552
−HK$600/mo
Today · 4.125%
HK$20,152
baseline
▲ 0.50% · 4.625%
HK$21,378
+HK$1,226/mo
Deposit HK$462K · loan HK$4.16M · min. income ≈ HK$40,304/mo (50% DSR)
Upfront cash ≈ HK$541K (deposit + AVD stamp duty HK$79,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,095
−HK$1,140/mo
▼ 0.25% · 3.875%
HK$21,661
−HK$574/mo
Today · 4.125%
HK$22,235
baseline
▲ 0.50% · 4.625%
HK$23,407
+HK$1,172/mo
Deposit HK$462K · loan HK$4.16M · min. income ≈ HK$44,470/mo (50% DSR)
Upfront cash ≈ HK$541K (deposit + AVD stamp duty HK$79,495 · 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).