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$10,616
−HK$665/mo
▼ 0.25% · 3.875%
HK$10,946
−HK$335/mo
Today · 4.125%
HK$11,281
baseline
▲ 0.50% · 4.625%
HK$11,968
+HK$687/mo
Deposit HK$2.33M · loan HK$2.33M · min. income ≈ HK$22,562/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$83,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,810
−HK$638/mo
▼ 0.25% · 3.875%
HK$12,127
−HK$321/mo
Today · 4.125%
HK$12,448
baseline
▲ 0.50% · 4.625%
HK$13,104
+HK$656/mo
Deposit HK$2.33M · loan HK$2.33M · min. income ≈ HK$24,896/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$83,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,739
−HK$799/mo
▼ 0.25% · 3.875%
HK$13,135
−HK$403/mo
Today · 4.125%
HK$13,538
baseline
▲ 0.50% · 4.625%
HK$14,361
+HK$823/mo
Deposit HK$1.86M · loan HK$2.79M · min. income ≈ HK$27,076/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$83,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,172
−HK$765/mo
▼ 0.25% · 3.875%
HK$14,552
−HK$385/mo
Today · 4.125%
HK$14,937
baseline
▲ 0.50% · 4.625%
HK$15,725
+HK$788/mo
Deposit HK$1.86M · loan HK$2.79M · min. income ≈ HK$29,874/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$83,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,862
−HK$932/mo
▼ 0.25% · 3.875%
HK$15,324
−HK$470/mo
Today · 4.125%
HK$15,794
baseline
▲ 0.50% · 4.625%
HK$16,755
+HK$961/mo
Deposit HK$1.40M · loan HK$3.26M · min. income ≈ HK$31,588/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$83,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,534
−HK$893/mo
▼ 0.25% · 3.875%
HK$16,977
−HK$450/mo
Today · 4.125%
HK$17,427
baseline
▲ 0.50% · 4.625%
HK$18,346
+HK$919/mo
Deposit HK$1.40M · loan HK$3.26M · min. income ≈ HK$34,854/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$83,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,108
−HK$1,198/mo
▼ 0.25% · 3.875%
HK$19,703
−HK$603/mo
Today · 4.125%
HK$20,306
baseline
▲ 0.50% · 4.625%
HK$21,542
+HK$1,236/mo
Deposit HK$466K · loan HK$4.19M · min. income ≈ HK$40,612/mo (50% DSR)
Upfront cash ≈ HK$549K (deposit + AVD stamp duty HK$83,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,258
−HK$1,148/mo
▼ 0.25% · 3.875%
HK$21,828
−HK$578/mo
Today · 4.125%
HK$22,406
baseline
▲ 0.50% · 4.625%
HK$23,587
+HK$1,181/mo
Deposit HK$466K · loan HK$4.19M · min. income ≈ HK$44,812/mo (50% DSR)
Upfront cash ≈ HK$549K (deposit + AVD stamp duty HK$83,046 · 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).