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$10,475
−HK$657/mo
▼ 0.25% · 3.875%
HK$10,801
−HK$331/mo
Today · 4.125%
HK$11,132
baseline
▲ 0.50% · 4.625%
HK$11,809
+HK$677/mo
Deposit HK$2.30M · loan HK$2.30M · min. income ≈ HK$22,264/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$76,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,654
−HK$629/mo
▼ 0.25% · 3.875%
HK$11,966
−HK$317/mo
Today · 4.125%
HK$12,283
baseline
▲ 0.50% · 4.625%
HK$12,931
+HK$648/mo
Deposit HK$2.30M · loan HK$2.30M · min. income ≈ HK$24,566/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$76,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,570
−HK$788/mo
▼ 0.25% · 3.875%
HK$12,961
−HK$397/mo
Today · 4.125%
HK$13,358
baseline
▲ 0.50% · 4.625%
HK$14,171
+HK$813/mo
Deposit HK$1.84M · loan HK$2.76M · min. income ≈ HK$26,716/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$76,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,984
−HK$756/mo
▼ 0.25% · 3.875%
HK$14,359
−HK$381/mo
Today · 4.125%
HK$14,740
baseline
▲ 0.50% · 4.625%
HK$15,517
+HK$777/mo
Deposit HK$1.84M · loan HK$2.76M · min. income ≈ HK$29,480/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$76,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,665
−HK$920/mo
▼ 0.25% · 3.875%
HK$15,121
−HK$464/mo
Today · 4.125%
HK$15,585
baseline
▲ 0.50% · 4.625%
HK$16,533
+HK$948/mo
Deposit HK$1.38M · loan HK$3.22M · min. income ≈ HK$31,170/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$76,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,315
−HK$881/mo
▼ 0.25% · 3.875%
HK$16,752
−HK$444/mo
Today · 4.125%
HK$17,196
baseline
▲ 0.50% · 4.625%
HK$18,103
+HK$907/mo
Deposit HK$1.38M · loan HK$3.22M · min. income ≈ HK$34,392/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$76,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,855
−HK$1,183/mo
▼ 0.25% · 3.875%
HK$19,442
−HK$596/mo
Today · 4.125%
HK$20,038
baseline
▲ 0.50% · 4.625%
HK$21,257
+HK$1,219/mo
Deposit HK$459K · loan HK$4.13M · min. income ≈ HK$40,076/mo (50% DSR)
Upfront cash ≈ HK$536K (deposit + AVD stamp duty HK$76,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,976
−HK$1,134/mo
▼ 0.25% · 3.875%
HK$21,539
−HK$571/mo
Today · 4.125%
HK$22,110
baseline
▲ 0.50% · 4.625%
HK$23,275
+HK$1,165/mo
Deposit HK$459K · loan HK$4.13M · min. income ≈ HK$44,220/mo (50% DSR)
Upfront cash ≈ HK$536K (deposit + AVD stamp duty HK$76,886 · 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).