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$10,656
−HK$668/mo
▼ 0.25% · 3.875%
HK$10,987
−HK$337/mo
Today · 4.125%
HK$11,324
baseline
▲ 0.50% · 4.625%
HK$12,013
+HK$689/mo
Deposit HK$2.34M · loan HK$2.34M · min. income ≈ HK$22,648/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$84,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,855
−HK$640/mo
▼ 0.25% · 3.875%
HK$12,173
−HK$322/mo
Today · 4.125%
HK$12,495
baseline
▲ 0.50% · 4.625%
HK$13,154
+HK$659/mo
Deposit HK$2.34M · loan HK$2.34M · min. income ≈ HK$24,990/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$84,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,787
−HK$802/mo
▼ 0.25% · 3.875%
HK$13,185
−HK$404/mo
Today · 4.125%
HK$13,589
baseline
▲ 0.50% · 4.625%
HK$14,416
+HK$827/mo
Deposit HK$1.87M · loan HK$2.80M · min. income ≈ HK$27,178/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$84,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,225
−HK$769/mo
▼ 0.25% · 3.875%
HK$14,607
−HK$387/mo
Today · 4.125%
HK$14,994
baseline
▲ 0.50% · 4.625%
HK$15,784
+HK$790/mo
Deposit HK$1.87M · loan HK$2.80M · min. income ≈ HK$29,988/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$84,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,918
−HK$936/mo
▼ 0.25% · 3.875%
HK$15,382
−HK$472/mo
Today · 4.125%
HK$15,854
baseline
▲ 0.50% · 4.625%
HK$16,818
+HK$964/mo
Deposit HK$1.40M · loan HK$3.27M · min. income ≈ HK$31,708/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$84,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,596
−HK$897/mo
▼ 0.25% · 3.875%
HK$17,042
−HK$451/mo
Today · 4.125%
HK$17,493
baseline
▲ 0.50% · 4.625%
HK$18,415
+HK$922/mo
Deposit HK$1.40M · loan HK$3.27M · min. income ≈ HK$34,986/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$84,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,181
−HK$1,202/mo
▼ 0.25% · 3.875%
HK$19,777
−HK$606/mo
Today · 4.125%
HK$20,383
baseline
▲ 0.50% · 4.625%
HK$21,624
+HK$1,241/mo
Deposit HK$467K · loan HK$4.21M · min. income ≈ HK$40,766/mo (50% DSR)
Upfront cash ≈ HK$552K (deposit + AVD stamp duty HK$84,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,338
−HK$1,153/mo
▼ 0.25% · 3.875%
HK$21,911
−HK$580/mo
Today · 4.125%
HK$22,491
baseline
▲ 0.50% · 4.625%
HK$23,677
+HK$1,186/mo
Deposit HK$467K · loan HK$4.21M · min. income ≈ HK$44,982/mo (50% DSR)
Upfront cash ≈ HK$552K (deposit + AVD stamp duty HK$84,812 · 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).