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$10,466
−HK$657/mo
▼ 0.25% · 3.875%
HK$10,792
−HK$331/mo
Today · 4.125%
HK$11,123
baseline
▲ 0.50% · 4.625%
HK$11,799
+HK$676/mo
Deposit HK$2.29M · loan HK$2.29M · min. income ≈ HK$22,246/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$76,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,644
−HK$629/mo
▼ 0.25% · 3.875%
HK$11,956
−HK$317/mo
Today · 4.125%
HK$12,273
baseline
▲ 0.50% · 4.625%
HK$12,920
+HK$647/mo
Deposit HK$2.29M · loan HK$2.29M · min. income ≈ HK$24,546/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$76,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,560
−HK$787/mo
▼ 0.25% · 3.875%
HK$12,950
−HK$397/mo
Today · 4.125%
HK$13,347
baseline
▲ 0.50% · 4.625%
HK$14,159
+HK$812/mo
Deposit HK$1.84M · loan HK$2.75M · min. income ≈ HK$26,694/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$76,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,972
−HK$755/mo
▼ 0.25% · 3.875%
HK$14,347
−HK$380/mo
Today · 4.125%
HK$14,727
baseline
▲ 0.50% · 4.625%
HK$15,504
+HK$777/mo
Deposit HK$1.84M · loan HK$2.75M · min. income ≈ HK$29,454/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$76,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,653
−HK$919/mo
▼ 0.25% · 3.875%
HK$15,109
−HK$463/mo
Today · 4.125%
HK$15,572
baseline
▲ 0.50% · 4.625%
HK$16,519
+HK$947/mo
Deposit HK$1.38M · loan HK$3.21M · min. income ≈ HK$31,144/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$76,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,301
−HK$881/mo
▼ 0.25% · 3.875%
HK$16,738
−HK$444/mo
Today · 4.125%
HK$17,182
baseline
▲ 0.50% · 4.625%
HK$18,088
+HK$906/mo
Deposit HK$1.38M · loan HK$3.21M · min. income ≈ HK$34,364/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$76,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,839
−HK$1,182/mo
▼ 0.25% · 3.875%
HK$19,425
−HK$596/mo
Today · 4.125%
HK$20,021
baseline
▲ 0.50% · 4.625%
HK$21,239
+HK$1,218/mo
Deposit HK$459K · loan HK$4.13M · min. income ≈ HK$40,042/mo (50% DSR)
Upfront cash ≈ HK$535K (deposit + AVD stamp duty HK$76,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,959
−HK$1,132/mo
▼ 0.25% · 3.875%
HK$21,521
−HK$570/mo
Today · 4.125%
HK$22,091
baseline
▲ 0.50% · 4.625%
HK$23,255
+HK$1,164/mo
Deposit HK$459K · loan HK$4.13M · min. income ≈ HK$44,182/mo (50% DSR)
Upfront cash ≈ HK$535K (deposit + AVD stamp duty HK$76,500 · 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).