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$10,565
−HK$663/mo
▼ 0.25% · 3.875%
HK$10,894
−HK$334/mo
Today · 4.125%
HK$11,228
baseline
▲ 0.50% · 4.625%
HK$11,911
+HK$683/mo
Deposit HK$2.32M · loan HK$2.32M · min. income ≈ HK$22,456/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$80,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,754
−HK$635/mo
▼ 0.25% · 3.875%
HK$12,069
−HK$320/mo
Today · 4.125%
HK$12,389
baseline
▲ 0.50% · 4.625%
HK$13,042
+HK$653/mo
Deposit HK$2.32M · loan HK$2.32M · min. income ≈ HK$24,778/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$80,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,678
−HK$795/mo
▼ 0.25% · 3.875%
HK$13,073
−HK$400/mo
Today · 4.125%
HK$13,473
baseline
▲ 0.50% · 4.625%
HK$14,293
+HK$820/mo
Deposit HK$1.85M · loan HK$2.78M · min. income ≈ HK$26,946/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$80,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,105
−HK$762/mo
▼ 0.25% · 3.875%
HK$14,483
−HK$384/mo
Today · 4.125%
HK$14,867
baseline
▲ 0.50% · 4.625%
HK$15,650
+HK$783/mo
Deposit HK$1.85M · loan HK$2.78M · min. income ≈ HK$29,734/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$80,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,791
−HK$928/mo
▼ 0.25% · 3.875%
HK$15,251
−HK$468/mo
Today · 4.125%
HK$15,719
baseline
▲ 0.50% · 4.625%
HK$16,675
+HK$956/mo
Deposit HK$1.39M · loan HK$3.24M · min. income ≈ HK$31,438/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$80,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,455
−HK$889/mo
▼ 0.25% · 3.875%
HK$16,897
−HK$447/mo
Today · 4.125%
HK$17,344
baseline
▲ 0.50% · 4.625%
HK$18,259
+HK$915/mo
Deposit HK$1.39M · loan HK$3.24M · min. income ≈ HK$34,688/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$80,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,018
−HK$1,192/mo
▼ 0.25% · 3.875%
HK$19,609
−HK$601/mo
Today · 4.125%
HK$20,210
baseline
▲ 0.50% · 4.625%
HK$21,440
+HK$1,230/mo
Deposit HK$463K · loan HK$4.17M · min. income ≈ HK$40,420/mo (50% DSR)
Upfront cash ≈ HK$544K (deposit + AVD stamp duty HK$80,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,157
−HK$1,143/mo
▼ 0.25% · 3.875%
HK$21,724
−HK$576/mo
Today · 4.125%
HK$22,300
baseline
▲ 0.50% · 4.625%
HK$23,475
+HK$1,175/mo
Deposit HK$463K · loan HK$4.17M · min. income ≈ HK$44,600/mo (50% DSR)
Upfront cash ≈ HK$544K (deposit + AVD stamp duty HK$80,838 · 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).