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$10,646
−HK$668/mo
▼ 0.25% · 3.875%
HK$10,977
−HK$337/mo
Today · 4.125%
HK$11,314
baseline
▲ 0.50% · 4.625%
HK$12,002
+HK$688/mo
Deposit HK$2.33M · loan HK$2.33M · min. income ≈ HK$22,628/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$84,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,844
−HK$639/mo
▼ 0.25% · 3.875%
HK$12,161
−HK$322/mo
Today · 4.125%
HK$12,483
baseline
▲ 0.50% · 4.625%
HK$13,142
+HK$659/mo
Deposit HK$2.33M · loan HK$2.33M · min. income ≈ HK$24,966/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$84,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,775
−HK$801/mo
▼ 0.25% · 3.875%
HK$13,173
−HK$403/mo
Today · 4.125%
HK$13,576
baseline
▲ 0.50% · 4.625%
HK$14,402
+HK$826/mo
Deposit HK$1.87M · loan HK$2.80M · min. income ≈ HK$27,152/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$84,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,212
−HK$768/mo
▼ 0.25% · 3.875%
HK$14,594
−HK$386/mo
Today · 4.125%
HK$14,980
baseline
▲ 0.50% · 4.625%
HK$15,770
+HK$790/mo
Deposit HK$1.87M · loan HK$2.80M · min. income ≈ HK$29,960/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$84,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,904
−HK$935/mo
▼ 0.25% · 3.875%
HK$15,368
−HK$471/mo
Today · 4.125%
HK$15,839
baseline
▲ 0.50% · 4.625%
HK$16,803
+HK$964/mo
Deposit HK$1.40M · loan HK$3.27M · min. income ≈ HK$31,678/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$84,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,581
−HK$896/mo
▼ 0.25% · 3.875%
HK$17,026
−HK$451/mo
Today · 4.125%
HK$17,477
baseline
▲ 0.50% · 4.625%
HK$18,398
+HK$921/mo
Deposit HK$1.40M · loan HK$3.27M · min. income ≈ HK$34,954/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$84,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,163
−HK$1,202/mo
▼ 0.25% · 3.875%
HK$19,759
−HK$606/mo
Today · 4.125%
HK$20,365
baseline
▲ 0.50% · 4.625%
HK$21,604
+HK$1,239/mo
Deposit HK$467K · loan HK$4.20M · min. income ≈ HK$40,730/mo (50% DSR)
Upfront cash ≈ HK$551K (deposit + AVD stamp duty HK$84,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,319
−HK$1,151/mo
▼ 0.25% · 3.875%
HK$21,890
−HK$580/mo
Today · 4.125%
HK$22,470
baseline
▲ 0.50% · 4.625%
HK$23,655
+HK$1,185/mo
Deposit HK$467K · loan HK$4.20M · min. income ≈ HK$44,940/mo (50% DSR)
Upfront cash ≈ HK$551K (deposit + AVD stamp duty HK$84,380 · 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).