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$10,467
−HK$656/mo
▼ 0.25% · 3.875%
HK$10,793
−HK$330/mo
Today · 4.125%
HK$11,123
baseline
▲ 0.50% · 4.625%
HK$11,800
+HK$677/mo
Deposit HK$2.30M · loan HK$2.30M · min. income ≈ HK$22,246/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$76,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,645
−HK$629/mo
▼ 0.25% · 3.875%
HK$11,957
−HK$317/mo
Today · 4.125%
HK$12,274
baseline
▲ 0.50% · 4.625%
HK$12,921
+HK$647/mo
Deposit HK$2.30M · loan HK$2.30M · min. income ≈ HK$24,548/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$76,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,560
−HK$788/mo
▼ 0.25% · 3.875%
HK$12,951
−HK$397/mo
Today · 4.125%
HK$13,348
baseline
▲ 0.50% · 4.625%
HK$14,160
+HK$812/mo
Deposit HK$1.84M · loan HK$2.75M · min. income ≈ HK$26,696/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$76,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,973
−HK$755/mo
▼ 0.25% · 3.875%
HK$14,348
−HK$380/mo
Today · 4.125%
HK$14,728
baseline
▲ 0.50% · 4.625%
HK$15,505
+HK$777/mo
Deposit HK$1.84M · loan HK$2.75M · min. income ≈ HK$29,456/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$76,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,654
−HK$919/mo
▼ 0.25% · 3.875%
HK$15,110
−HK$463/mo
Today · 4.125%
HK$15,573
baseline
▲ 0.50% · 4.625%
HK$16,520
+HK$947/mo
Deposit HK$1.38M · loan HK$3.21M · min. income ≈ HK$31,146/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$76,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,302
−HK$881/mo
▼ 0.25% · 3.875%
HK$16,740
−HK$443/mo
Today · 4.125%
HK$17,183
baseline
▲ 0.50% · 4.625%
HK$18,089
+HK$906/mo
Deposit HK$1.38M · loan HK$3.21M · min. income ≈ HK$34,366/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$76,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,841
−HK$1,181/mo
▼ 0.25% · 3.875%
HK$19,427
−HK$595/mo
Today · 4.125%
HK$20,022
baseline
▲ 0.50% · 4.625%
HK$21,241
+HK$1,219/mo
Deposit HK$459K · loan HK$4.13M · min. income ≈ HK$40,044/mo (50% DSR)
Upfront cash ≈ HK$536K (deposit + AVD stamp duty HK$76,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,960
−HK$1,133/mo
▼ 0.25% · 3.875%
HK$21,522
−HK$571/mo
Today · 4.125%
HK$22,093
baseline
▲ 0.50% · 4.625%
HK$23,257
+HK$1,164/mo
Deposit HK$459K · loan HK$4.13M · min. income ≈ HK$44,186/mo (50% DSR)
Upfront cash ≈ HK$536K (deposit + AVD stamp duty HK$76,531 · 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).