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$10,508
−HK$659/mo
▼ 0.25% · 3.875%
HK$10,835
−HK$332/mo
Today · 4.125%
HK$11,167
baseline
▲ 0.50% · 4.625%
HK$11,847
+HK$680/mo
Deposit HK$2.30M · loan HK$2.30M · min. income ≈ HK$22,334/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$78,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,690
−HK$632/mo
▼ 0.25% · 3.875%
HK$12,004
−HK$318/mo
Today · 4.125%
HK$12,322
baseline
▲ 0.50% · 4.625%
HK$12,972
+HK$650/mo
Deposit HK$2.30M · loan HK$2.30M · min. income ≈ HK$24,644/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$78,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,610
−HK$791/mo
▼ 0.25% · 3.875%
HK$13,002
−HK$399/mo
Today · 4.125%
HK$13,401
baseline
▲ 0.50% · 4.625%
HK$14,216
+HK$815/mo
Deposit HK$1.84M · loan HK$2.77M · min. income ≈ HK$26,802/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$78,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,029
−HK$757/mo
▼ 0.25% · 3.875%
HK$14,405
−HK$381/mo
Today · 4.125%
HK$14,786
baseline
▲ 0.50% · 4.625%
HK$15,566
+HK$780/mo
Deposit HK$1.84M · loan HK$2.77M · min. income ≈ HK$29,572/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$78,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,712
−HK$922/mo
▼ 0.25% · 3.875%
HK$15,169
−HK$465/mo
Today · 4.125%
HK$15,634
baseline
▲ 0.50% · 4.625%
HK$16,586
+HK$952/mo
Deposit HK$1.38M · loan HK$3.23M · min. income ≈ HK$31,268/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$78,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,367
−HK$884/mo
▼ 0.25% · 3.875%
HK$16,806
−HK$445/mo
Today · 4.125%
HK$17,251
baseline
▲ 0.50% · 4.625%
HK$18,160
+HK$909/mo
Deposit HK$1.38M · loan HK$3.23M · min. income ≈ HK$34,502/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$78,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,915
−HK$1,186/mo
▼ 0.25% · 3.875%
HK$19,503
−HK$598/mo
Today · 4.125%
HK$20,101
baseline
▲ 0.50% · 4.625%
HK$21,324
+HK$1,223/mo
Deposit HK$461K · loan HK$4.15M · min. income ≈ HK$40,202/mo (50% DSR)
Upfront cash ≈ HK$539K (deposit + AVD stamp duty HK$78,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,043
−HK$1,137/mo
▼ 0.25% · 3.875%
HK$21,607
−HK$573/mo
Today · 4.125%
HK$22,180
baseline
▲ 0.50% · 4.625%
HK$23,349
+HK$1,169/mo
Deposit HK$461K · loan HK$4.15M · min. income ≈ HK$44,360/mo (50% DSR)
Upfront cash ≈ HK$539K (deposit + AVD stamp duty HK$78,341 · 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).