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$10,507
−HK$659/mo
▼ 0.25% · 3.875%
HK$10,834
−HK$332/mo
Today · 4.125%
HK$11,166
baseline
▲ 0.50% · 4.625%
HK$11,846
+HK$680/mo
Deposit HK$2.30M · loan HK$2.30M · min. income ≈ HK$22,332/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$78,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,689
−HK$632/mo
▼ 0.25% · 3.875%
HK$12,003
−HK$318/mo
Today · 4.125%
HK$12,321
baseline
▲ 0.50% · 4.625%
HK$12,970
+HK$649/mo
Deposit HK$2.30M · loan HK$2.30M · min. income ≈ HK$24,642/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$78,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,609
−HK$790/mo
▼ 0.25% · 3.875%
HK$13,001
−HK$398/mo
Today · 4.125%
HK$13,399
baseline
▲ 0.50% · 4.625%
HK$14,215
+HK$816/mo
Deposit HK$1.84M · loan HK$2.76M · min. income ≈ HK$26,798/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$78,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,027
−HK$758/mo
▼ 0.25% · 3.875%
HK$14,403
−HK$382/mo
Today · 4.125%
HK$14,785
baseline
▲ 0.50% · 4.625%
HK$15,564
+HK$779/mo
Deposit HK$1.84M · loan HK$2.76M · min. income ≈ HK$29,570/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$78,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,710
−HK$923/mo
▼ 0.25% · 3.875%
HK$15,168
−HK$465/mo
Today · 4.125%
HK$15,633
baseline
▲ 0.50% · 4.625%
HK$16,584
+HK$951/mo
Deposit HK$1.38M · loan HK$3.23M · min. income ≈ HK$31,266/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$78,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,365
−HK$884/mo
▼ 0.25% · 3.875%
HK$16,804
−HK$445/mo
Today · 4.125%
HK$17,249
baseline
▲ 0.50% · 4.625%
HK$18,158
+HK$909/mo
Deposit HK$1.38M · loan HK$3.23M · min. income ≈ HK$34,498/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$78,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,913
−HK$1,186/mo
▼ 0.25% · 3.875%
HK$19,501
−HK$598/mo
Today · 4.125%
HK$20,099
baseline
▲ 0.50% · 4.625%
HK$21,322
+HK$1,223/mo
Deposit HK$461K · loan HK$4.15M · min. income ≈ HK$40,198/mo (50% DSR)
Upfront cash ≈ HK$539K (deposit + AVD stamp duty HK$78,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,041
−HK$1,136/mo
▼ 0.25% · 3.875%
HK$21,605
−HK$572/mo
Today · 4.125%
HK$22,177
baseline
▲ 0.50% · 4.625%
HK$23,346
+HK$1,169/mo
Deposit HK$461K · loan HK$4.15M · min. income ≈ HK$44,354/mo (50% DSR)
Upfront cash ≈ HK$539K (deposit + AVD stamp duty HK$78,293 · 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).