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$10,519
−HK$660/mo
▼ 0.25% · 3.875%
HK$10,846
−HK$333/mo
Today · 4.125%
HK$11,179
baseline
▲ 0.50% · 4.625%
HK$11,859
+HK$680/mo
Deposit HK$2.31M · loan HK$2.31M · min. income ≈ HK$22,358/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$78,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,702
−HK$632/mo
▼ 0.25% · 3.875%
HK$12,016
−HK$318/mo
Today · 4.125%
HK$12,334
baseline
▲ 0.50% · 4.625%
HK$12,985
+HK$651/mo
Deposit HK$2.31M · loan HK$2.31M · min. income ≈ HK$24,668/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$78,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,623
−HK$791/mo
▼ 0.25% · 3.875%
HK$13,015
−HK$399/mo
Today · 4.125%
HK$13,414
baseline
▲ 0.50% · 4.625%
HK$14,231
+HK$817/mo
Deposit HK$1.85M · loan HK$2.77M · min. income ≈ HK$26,828/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$78,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,043
−HK$758/mo
▼ 0.25% · 3.875%
HK$14,419
−HK$382/mo
Today · 4.125%
HK$14,801
baseline
▲ 0.50% · 4.625%
HK$15,582
+HK$781/mo
Deposit HK$1.85M · loan HK$2.77M · min. income ≈ HK$29,602/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$78,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,727
−HK$923/mo
▼ 0.25% · 3.875%
HK$15,185
−HK$465/mo
Today · 4.125%
HK$15,650
baseline
▲ 0.50% · 4.625%
HK$16,602
+HK$952/mo
Deposit HK$1.38M · loan HK$3.23M · min. income ≈ HK$31,300/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$78,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,383
−HK$885/mo
▼ 0.25% · 3.875%
HK$16,822
−HK$446/mo
Today · 4.125%
HK$17,268
baseline
▲ 0.50% · 4.625%
HK$18,178
+HK$910/mo
Deposit HK$1.38M · loan HK$3.23M · min. income ≈ HK$34,536/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$78,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,934
−HK$1,187/mo
▼ 0.25% · 3.875%
HK$19,523
−HK$598/mo
Today · 4.125%
HK$20,121
baseline
▲ 0.50% · 4.625%
HK$21,346
+HK$1,225/mo
Deposit HK$461K · loan HK$4.15M · min. income ≈ HK$40,242/mo (50% DSR)
Upfront cash ≈ HK$540K (deposit + AVD stamp duty HK$78,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,064
−HK$1,138/mo
▼ 0.25% · 3.875%
HK$21,629
−HK$573/mo
Today · 4.125%
HK$22,202
baseline
▲ 0.50% · 4.625%
HK$23,372
+HK$1,170/mo
Deposit HK$461K · loan HK$4.15M · min. income ≈ HK$44,404/mo (50% DSR)
Upfront cash ≈ HK$540K (deposit + AVD stamp duty HK$78,806 · 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).