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$10,525
−HK$660/mo
▼ 0.25% · 3.875%
HK$10,853
−HK$332/mo
Today · 4.125%
HK$11,185
baseline
▲ 0.50% · 4.625%
HK$11,866
+HK$681/mo
Deposit HK$2.31M · loan HK$2.31M · min. income ≈ HK$22,370/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$79,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,709
−HK$633/mo
▼ 0.25% · 3.875%
HK$12,023
−HK$319/mo
Today · 4.125%
HK$12,342
baseline
▲ 0.50% · 4.625%
HK$12,992
+HK$650/mo
Deposit HK$2.31M · loan HK$2.31M · min. income ≈ HK$24,684/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$79,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,630
−HK$792/mo
▼ 0.25% · 3.875%
HK$13,023
−HK$399/mo
Today · 4.125%
HK$13,422
baseline
▲ 0.50% · 4.625%
HK$14,239
+HK$817/mo
Deposit HK$1.85M · loan HK$2.77M · min. income ≈ HK$26,844/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$79,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,051
−HK$759/mo
▼ 0.25% · 3.875%
HK$14,428
−HK$382/mo
Today · 4.125%
HK$14,810
baseline
▲ 0.50% · 4.625%
HK$15,591
+HK$781/mo
Deposit HK$1.85M · loan HK$2.77M · min. income ≈ HK$29,620/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$79,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,735
−HK$924/mo
▼ 0.25% · 3.875%
HK$15,194
−HK$465/mo
Today · 4.125%
HK$15,659
baseline
▲ 0.50% · 4.625%
HK$16,612
+HK$953/mo
Deposit HK$1.38M · loan HK$3.23M · min. income ≈ HK$31,318/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$79,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,393
−HK$886/mo
▼ 0.25% · 3.875%
HK$16,833
−HK$446/mo
Today · 4.125%
HK$17,279
baseline
▲ 0.50% · 4.625%
HK$18,189
+HK$910/mo
Deposit HK$1.38M · loan HK$3.23M · min. income ≈ HK$34,558/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$79,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,945
−HK$1,188/mo
▼ 0.25% · 3.875%
HK$19,535
−HK$598/mo
Today · 4.125%
HK$20,133
baseline
▲ 0.50% · 4.625%
HK$21,359
+HK$1,226/mo
Deposit HK$462K · loan HK$4.15M · min. income ≈ HK$40,266/mo (50% DSR)
Upfront cash ≈ HK$541K (deposit + AVD stamp duty HK$79,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,077
−HK$1,138/mo
▼ 0.25% · 3.875%
HK$21,642
−HK$573/mo
Today · 4.125%
HK$22,215
baseline
▲ 0.50% · 4.625%
HK$23,386
+HK$1,171/mo
Deposit HK$462K · loan HK$4.15M · min. income ≈ HK$44,430/mo (50% DSR)
Upfront cash ≈ HK$541K (deposit + AVD stamp duty HK$79,082 · 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).