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$10,571
−HK$663/mo
▼ 0.25% · 3.875%
HK$10,900
−HK$334/mo
Today · 4.125%
HK$11,234
baseline
▲ 0.50% · 4.625%
HK$11,918
+HK$684/mo
Deposit HK$2.32M · loan HK$2.32M · min. income ≈ HK$22,468/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$81,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,760
−HK$636/mo
▼ 0.25% · 3.875%
HK$12,076
−HK$320/mo
Today · 4.125%
HK$12,396
baseline
▲ 0.50% · 4.625%
HK$13,049
+HK$653/mo
Deposit HK$2.32M · loan HK$2.32M · min. income ≈ HK$24,792/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$81,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,686
−HK$795/mo
▼ 0.25% · 3.875%
HK$13,080
−HK$401/mo
Today · 4.125%
HK$13,481
baseline
▲ 0.50% · 4.625%
HK$14,301
+HK$820/mo
Deposit HK$1.85M · loan HK$2.78M · min. income ≈ HK$26,962/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$81,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,113
−HK$762/mo
▼ 0.25% · 3.875%
HK$14,491
−HK$384/mo
Today · 4.125%
HK$14,875
baseline
▲ 0.50% · 4.625%
HK$15,659
+HK$784/mo
Deposit HK$1.85M · loan HK$2.78M · min. income ≈ HK$29,750/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$81,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,800
−HK$928/mo
▼ 0.25% · 3.875%
HK$15,260
−HK$468/mo
Today · 4.125%
HK$15,728
baseline
▲ 0.50% · 4.625%
HK$16,685
+HK$957/mo
Deposit HK$1.39M · loan HK$3.25M · min. income ≈ HK$31,456/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$81,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,465
−HK$889/mo
▼ 0.25% · 3.875%
HK$16,906
−HK$448/mo
Today · 4.125%
HK$17,354
baseline
▲ 0.50% · 4.625%
HK$18,269
+HK$915/mo
Deposit HK$1.39M · loan HK$3.25M · min. income ≈ HK$34,708/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$81,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,028
−HK$1,194/mo
▼ 0.25% · 3.875%
HK$19,620
−HK$602/mo
Today · 4.125%
HK$20,222
baseline
▲ 0.50% · 4.625%
HK$21,452
+HK$1,230/mo
Deposit HK$464K · loan HK$4.17M · min. income ≈ HK$40,444/mo (50% DSR)
Upfront cash ≈ HK$545K (deposit + AVD stamp duty HK$81,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,169
−HK$1,143/mo
▼ 0.25% · 3.875%
HK$21,736
−HK$576/mo
Today · 4.125%
HK$22,312
baseline
▲ 0.50% · 4.625%
HK$23,489
+HK$1,177/mo
Deposit HK$464K · loan HK$4.17M · min. income ≈ HK$44,624/mo (50% DSR)
Upfront cash ≈ HK$545K (deposit + AVD stamp duty HK$81,100 · 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).