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$10,567
−HK$663/mo
▼ 0.25% · 3.875%
HK$10,896
−HK$334/mo
Today · 4.125%
HK$11,230
baseline
▲ 0.50% · 4.625%
HK$11,913
+HK$683/mo
Deposit HK$2.32M · loan HK$2.32M · min. income ≈ HK$22,460/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$80,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,756
−HK$635/mo
▼ 0.25% · 3.875%
HK$12,071
−HK$320/mo
Today · 4.125%
HK$12,391
baseline
▲ 0.50% · 4.625%
HK$13,044
+HK$653/mo
Deposit HK$2.32M · loan HK$2.32M · min. income ≈ HK$24,782/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$80,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,681
−HK$795/mo
▼ 0.25% · 3.875%
HK$13,075
−HK$401/mo
Today · 4.125%
HK$13,476
baseline
▲ 0.50% · 4.625%
HK$14,296
+HK$820/mo
Deposit HK$1.85M · loan HK$2.78M · min. income ≈ HK$26,952/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$80,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,107
−HK$762/mo
▼ 0.25% · 3.875%
HK$14,486
−HK$383/mo
Today · 4.125%
HK$14,869
baseline
▲ 0.50% · 4.625%
HK$15,653
+HK$784/mo
Deposit HK$1.85M · loan HK$2.78M · min. income ≈ HK$29,738/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$80,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,794
−HK$928/mo
▼ 0.25% · 3.875%
HK$15,254
−HK$468/mo
Today · 4.125%
HK$15,722
baseline
▲ 0.50% · 4.625%
HK$16,679
+HK$957/mo
Deposit HK$1.39M · loan HK$3.24M · min. income ≈ HK$31,444/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$80,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,458
−HK$890/mo
▼ 0.25% · 3.875%
HK$16,900
−HK$448/mo
Today · 4.125%
HK$17,348
baseline
▲ 0.50% · 4.625%
HK$18,262
+HK$914/mo
Deposit HK$1.39M · loan HK$3.24M · min. income ≈ HK$34,696/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$80,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,021
−HK$1,193/mo
▼ 0.25% · 3.875%
HK$19,613
−HK$601/mo
Today · 4.125%
HK$20,214
baseline
▲ 0.50% · 4.625%
HK$21,444
+HK$1,230/mo
Deposit HK$463K · loan HK$4.17M · min. income ≈ HK$40,428/mo (50% DSR)
Upfront cash ≈ HK$544K (deposit + AVD stamp duty HK$80,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,161
−HK$1,143/mo
▼ 0.25% · 3.875%
HK$21,728
−HK$576/mo
Today · 4.125%
HK$22,304
baseline
▲ 0.50% · 4.625%
HK$23,480
+HK$1,176/mo
Deposit HK$463K · loan HK$4.17M · min. income ≈ HK$44,608/mo (50% DSR)
Upfront cash ≈ HK$544K (deposit + AVD stamp duty HK$80,926 · 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).