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$10,621
−HK$666/mo
▼ 0.25% · 3.875%
HK$10,951
−HK$336/mo
Today · 4.125%
HK$11,287
baseline
▲ 0.50% · 4.625%
HK$11,973
+HK$686/mo
Deposit HK$2.33M · loan HK$2.33M · min. income ≈ HK$22,574/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$83,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,815
−HK$639/mo
▼ 0.25% · 3.875%
HK$12,132
−HK$322/mo
Today · 4.125%
HK$12,454
baseline
▲ 0.50% · 4.625%
HK$13,110
+HK$656/mo
Deposit HK$2.33M · loan HK$2.33M · min. income ≈ HK$24,908/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$83,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,745
−HK$799/mo
▼ 0.25% · 3.875%
HK$13,141
−HK$403/mo
Today · 4.125%
HK$13,544
baseline
▲ 0.50% · 4.625%
HK$14,368
+HK$824/mo
Deposit HK$1.86M · loan HK$2.79M · min. income ≈ HK$27,088/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$83,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,178
−HK$766/mo
▼ 0.25% · 3.875%
HK$14,559
−HK$385/mo
Today · 4.125%
HK$14,944
baseline
▲ 0.50% · 4.625%
HK$15,732
+HK$788/mo
Deposit HK$1.86M · loan HK$2.79M · min. income ≈ HK$29,888/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$83,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,869
−HK$932/mo
▼ 0.25% · 3.875%
HK$15,331
−HK$470/mo
Today · 4.125%
HK$15,801
baseline
▲ 0.50% · 4.625%
HK$16,763
+HK$962/mo
Deposit HK$1.40M · loan HK$3.26M · min. income ≈ HK$31,602/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$83,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,542
−HK$893/mo
▼ 0.25% · 3.875%
HK$16,985
−HK$450/mo
Today · 4.125%
HK$17,435
baseline
▲ 0.50% · 4.625%
HK$18,354
+HK$919/mo
Deposit HK$1.40M · loan HK$3.26M · min. income ≈ HK$34,870/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$83,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,117
−HK$1,199/mo
▼ 0.25% · 3.875%
HK$19,712
−HK$604/mo
Today · 4.125%
HK$20,316
baseline
▲ 0.50% · 4.625%
HK$21,552
+HK$1,236/mo
Deposit HK$466K · loan HK$4.19M · min. income ≈ HK$40,632/mo (50% DSR)
Upfront cash ≈ HK$549K (deposit + AVD stamp duty HK$83,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,268
−HK$1,149/mo
▼ 0.25% · 3.875%
HK$21,838
−HK$579/mo
Today · 4.125%
HK$22,417
baseline
▲ 0.50% · 4.625%
HK$23,598
+HK$1,181/mo
Deposit HK$466K · loan HK$4.19M · min. income ≈ HK$44,834/mo (50% DSR)
Upfront cash ≈ HK$549K (deposit + AVD stamp duty HK$83,267 · 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).