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$10,604
−HK$665/mo
▼ 0.25% · 3.875%
HK$10,934
−HK$335/mo
Today · 4.125%
HK$11,269
baseline
▲ 0.50% · 4.625%
HK$11,955
+HK$686/mo
Deposit HK$2.33M · loan HK$2.33M · min. income ≈ HK$22,538/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$82,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,797
−HK$637/mo
▼ 0.25% · 3.875%
HK$12,113
−HK$321/mo
Today · 4.125%
HK$12,434
baseline
▲ 0.50% · 4.625%
HK$13,090
+HK$656/mo
Deposit HK$2.33M · loan HK$2.33M · min. income ≈ HK$24,868/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$82,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,725
−HK$798/mo
▼ 0.25% · 3.875%
HK$13,121
−HK$402/mo
Today · 4.125%
HK$13,523
baseline
▲ 0.50% · 4.625%
HK$14,346
+HK$823/mo
Deposit HK$1.86M · loan HK$2.79M · min. income ≈ HK$27,046/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$82,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,156
−HK$765/mo
▼ 0.25% · 3.875%
HK$14,536
−HK$385/mo
Today · 4.125%
HK$14,921
baseline
▲ 0.50% · 4.625%
HK$15,708
+HK$787/mo
Deposit HK$1.86M · loan HK$2.79M · min. income ≈ HK$29,842/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$82,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,846
−HK$931/mo
▼ 0.25% · 3.875%
HK$15,308
−HK$469/mo
Today · 4.125%
HK$15,777
baseline
▲ 0.50% · 4.625%
HK$16,737
+HK$960/mo
Deposit HK$1.40M · loan HK$3.26M · min. income ≈ HK$31,554/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$82,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,516
−HK$892/mo
▼ 0.25% · 3.875%
HK$16,959
−HK$449/mo
Today · 4.125%
HK$17,408
baseline
▲ 0.50% · 4.625%
HK$18,326
+HK$918/mo
Deposit HK$1.40M · loan HK$3.26M · min. income ≈ HK$34,816/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$82,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,088
−HK$1,196/mo
▼ 0.25% · 3.875%
HK$19,681
−HK$603/mo
Today · 4.125%
HK$20,284
baseline
▲ 0.50% · 4.625%
HK$21,519
+HK$1,235/mo
Deposit HK$465K · loan HK$4.19M · min. income ≈ HK$40,568/mo (50% DSR)
Upfront cash ≈ HK$548K (deposit + AVD stamp duty HK$82,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,235
−HK$1,147/mo
▼ 0.25% · 3.875%
HK$21,804
−HK$578/mo
Today · 4.125%
HK$22,382
baseline
▲ 0.50% · 4.625%
HK$23,562
+HK$1,180/mo
Deposit HK$465K · loan HK$4.19M · min. income ≈ HK$44,764/mo (50% DSR)
Upfront cash ≈ HK$548K (deposit + AVD stamp duty HK$82,544 · 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).