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$10,546
−HK$662/mo
▼ 0.25% · 3.875%
HK$10,874
−HK$334/mo
Today · 4.125%
HK$11,208
baseline
▲ 0.50% · 4.625%
HK$11,890
+HK$682/mo
Deposit HK$2.31M · loan HK$2.31M · min. income ≈ HK$22,416/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$80,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,733
−HK$634/mo
▼ 0.25% · 3.875%
HK$12,047
−HK$320/mo
Today · 4.125%
HK$12,367
baseline
▲ 0.50% · 4.625%
HK$13,018
+HK$651/mo
Deposit HK$2.31M · loan HK$2.31M · min. income ≈ HK$24,734/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$80,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,656
−HK$793/mo
▼ 0.25% · 3.875%
HK$13,049
−HK$400/mo
Today · 4.125%
HK$13,449
baseline
▲ 0.50% · 4.625%
HK$14,267
+HK$818/mo
Deposit HK$1.85M · loan HK$2.78M · min. income ≈ HK$26,898/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$80,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,079
−HK$761/mo
▼ 0.25% · 3.875%
HK$14,457
−HK$383/mo
Today · 4.125%
HK$14,840
baseline
▲ 0.50% · 4.625%
HK$15,622
+HK$782/mo
Deposit HK$1.85M · loan HK$2.78M · min. income ≈ HK$29,680/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$80,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,765
−HK$926/mo
▼ 0.25% · 3.875%
HK$15,224
−HK$467/mo
Today · 4.125%
HK$15,691
baseline
▲ 0.50% · 4.625%
HK$16,645
+HK$954/mo
Deposit HK$1.39M · loan HK$3.24M · min. income ≈ HK$31,382/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$80,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,426
−HK$887/mo
▼ 0.25% · 3.875%
HK$16,866
−HK$447/mo
Today · 4.125%
HK$17,313
baseline
▲ 0.50% · 4.625%
HK$18,226
+HK$913/mo
Deposit HK$1.39M · loan HK$3.24M · min. income ≈ HK$34,626/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$80,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,983
−HK$1,191/mo
▼ 0.25% · 3.875%
HK$19,574
−HK$600/mo
Today · 4.125%
HK$20,174
baseline
▲ 0.50% · 4.625%
HK$21,401
+HK$1,227/mo
Deposit HK$463K · loan HK$4.16M · min. income ≈ HK$40,348/mo (50% DSR)
Upfront cash ≈ HK$543K (deposit + AVD stamp duty HK$80,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,119
−HK$1,141/mo
▼ 0.25% · 3.875%
HK$21,685
−HK$575/mo
Today · 4.125%
HK$22,260
baseline
▲ 0.50% · 4.625%
HK$23,433
+HK$1,173/mo
Deposit HK$463K · loan HK$4.16M · min. income ≈ HK$44,520/mo (50% DSR)
Upfront cash ≈ HK$543K (deposit + AVD stamp duty HK$80,004 · 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).