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$10,534
−HK$660/mo
▼ 0.25% · 3.875%
HK$10,861
−HK$333/mo
Today · 4.125%
HK$11,194
baseline
▲ 0.50% · 4.625%
HK$11,875
+HK$681/mo
Deposit HK$2.31M · loan HK$2.31M · min. income ≈ HK$22,388/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$79,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,719
−HK$633/mo
▼ 0.25% · 3.875%
HK$12,033
−HK$319/mo
Today · 4.125%
HK$12,352
baseline
▲ 0.50% · 4.625%
HK$13,003
+HK$651/mo
Deposit HK$2.31M · loan HK$2.31M · min. income ≈ HK$24,704/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$79,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,640
−HK$793/mo
▼ 0.25% · 3.875%
HK$13,034
−HK$399/mo
Today · 4.125%
HK$13,433
baseline
▲ 0.50% · 4.625%
HK$14,250
+HK$817/mo
Deposit HK$1.85M · loan HK$2.77M · min. income ≈ HK$26,866/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$79,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,062
−HK$760/mo
▼ 0.25% · 3.875%
HK$14,440
−HK$382/mo
Today · 4.125%
HK$14,822
baseline
▲ 0.50% · 4.625%
HK$15,603
+HK$781/mo
Deposit HK$1.85M · loan HK$2.77M · min. income ≈ HK$29,644/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$79,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,747
−HK$925/mo
▼ 0.25% · 3.875%
HK$15,206
−HK$466/mo
Today · 4.125%
HK$15,672
baseline
▲ 0.50% · 4.625%
HK$16,626
+HK$954/mo
Deposit HK$1.39M · loan HK$3.23M · min. income ≈ HK$31,344/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$79,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,406
−HK$886/mo
▼ 0.25% · 3.875%
HK$16,846
−HK$446/mo
Today · 4.125%
HK$17,292
baseline
▲ 0.50% · 4.625%
HK$18,204
+HK$912/mo
Deposit HK$1.39M · loan HK$3.23M · min. income ≈ HK$34,584/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$79,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,961
−HK$1,189/mo
▼ 0.25% · 3.875%
HK$19,550
−HK$600/mo
Today · 4.125%
HK$20,150
baseline
▲ 0.50% · 4.625%
HK$21,376
+HK$1,226/mo
Deposit HK$462K · loan HK$4.16M · min. income ≈ HK$40,300/mo (50% DSR)
Upfront cash ≈ HK$541K (deposit + AVD stamp duty HK$79,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,094
−HK$1,139/mo
▼ 0.25% · 3.875%
HK$21,659
−HK$574/mo
Today · 4.125%
HK$22,233
baseline
▲ 0.50% · 4.625%
HK$23,405
+HK$1,172/mo
Deposit HK$462K · loan HK$4.16M · min. income ≈ HK$44,466/mo (50% DSR)
Upfront cash ≈ HK$541K (deposit + AVD stamp duty HK$79,453 · 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).