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$10,590
−HK$664/mo
▼ 0.25% · 3.875%
HK$10,920
−HK$334/mo
Today · 4.125%
HK$11,254
baseline
▲ 0.50% · 4.625%
HK$11,939
+HK$685/mo
Deposit HK$2.32M · loan HK$2.32M · min. income ≈ HK$22,508/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$81,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,782
−HK$636/mo
▼ 0.25% · 3.875%
HK$12,098
−HK$320/mo
Today · 4.125%
HK$12,418
baseline
▲ 0.50% · 4.625%
HK$13,073
+HK$655/mo
Deposit HK$2.32M · loan HK$2.32M · min. income ≈ HK$24,836/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$81,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,708
−HK$797/mo
▼ 0.25% · 3.875%
HK$13,104
−HK$401/mo
Today · 4.125%
HK$13,505
baseline
▲ 0.50% · 4.625%
HK$14,327
+HK$822/mo
Deposit HK$1.86M · loan HK$2.79M · min. income ≈ HK$27,010/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$81,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,138
−HK$764/mo
▼ 0.25% · 3.875%
HK$14,517
−HK$385/mo
Today · 4.125%
HK$14,902
baseline
▲ 0.50% · 4.625%
HK$15,687
+HK$785/mo
Deposit HK$1.86M · loan HK$2.79M · min. income ≈ HK$29,804/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$81,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,826
−HK$930/mo
▼ 0.25% · 3.875%
HK$15,288
−HK$468/mo
Today · 4.125%
HK$15,756
baseline
▲ 0.50% · 4.625%
HK$16,715
+HK$959/mo
Deposit HK$1.39M · loan HK$3.25M · min. income ≈ HK$31,512/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$81,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,494
−HK$891/mo
▼ 0.25% · 3.875%
HK$16,937
−HK$448/mo
Today · 4.125%
HK$17,385
baseline
▲ 0.50% · 4.625%
HK$18,302
+HK$917/mo
Deposit HK$1.39M · loan HK$3.25M · min. income ≈ HK$34,770/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$81,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,062
−HK$1,196/mo
▼ 0.25% · 3.875%
HK$19,655
−HK$603/mo
Today · 4.125%
HK$20,258
baseline
▲ 0.50% · 4.625%
HK$21,490
+HK$1,232/mo
Deposit HK$464K · loan HK$4.18M · min. income ≈ HK$40,516/mo (50% DSR)
Upfront cash ≈ HK$546K (deposit + AVD stamp duty HK$81,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,207
−HK$1,146/mo
▼ 0.25% · 3.875%
HK$21,776
−HK$577/mo
Today · 4.125%
HK$22,353
baseline
▲ 0.50% · 4.625%
HK$23,531
+HK$1,178/mo
Deposit HK$464K · loan HK$4.18M · min. income ≈ HK$44,706/mo (50% DSR)
Upfront cash ≈ HK$546K (deposit + AVD stamp duty HK$81,933 · 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).