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$10,506
−HK$659/mo
▼ 0.25% · 3.875%
HK$10,833
−HK$332/mo
Today · 4.125%
HK$11,165
baseline
▲ 0.50% · 4.625%
HK$11,844
+HK$679/mo
Deposit HK$2.30M · loan HK$2.30M · min. income ≈ HK$22,330/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$78,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,688
−HK$631/mo
▼ 0.25% · 3.875%
HK$12,001
−HK$318/mo
Today · 4.125%
HK$12,319
baseline
▲ 0.50% · 4.625%
HK$12,969
+HK$650/mo
Deposit HK$2.30M · loan HK$2.30M · min. income ≈ HK$24,638/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$78,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,607
−HK$791/mo
▼ 0.25% · 3.875%
HK$12,999
−HK$399/mo
Today · 4.125%
HK$13,398
baseline
▲ 0.50% · 4.625%
HK$14,213
+HK$815/mo
Deposit HK$1.84M · loan HK$2.76M · min. income ≈ HK$26,796/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$78,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,025
−HK$758/mo
▼ 0.25% · 3.875%
HK$14,402
−HK$381/mo
Today · 4.125%
HK$14,783
baseline
▲ 0.50% · 4.625%
HK$15,562
+HK$779/mo
Deposit HK$1.84M · loan HK$2.76M · min. income ≈ HK$29,566/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$78,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,708
−HK$923/mo
▼ 0.25% · 3.875%
HK$15,166
−HK$465/mo
Today · 4.125%
HK$15,631
baseline
▲ 0.50% · 4.625%
HK$16,582
+HK$951/mo
Deposit HK$1.38M · loan HK$3.23M · min. income ≈ HK$31,262/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$78,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,363
−HK$884/mo
▼ 0.25% · 3.875%
HK$16,802
−HK$445/mo
Today · 4.125%
HK$17,247
baseline
▲ 0.50% · 4.625%
HK$18,156
+HK$909/mo
Deposit HK$1.38M · loan HK$3.23M · min. income ≈ HK$34,494/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$78,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,911
−HK$1,186/mo
▼ 0.25% · 3.875%
HK$19,499
−HK$598/mo
Today · 4.125%
HK$20,097
baseline
▲ 0.50% · 4.625%
HK$21,319
+HK$1,222/mo
Deposit HK$461K · loan HK$4.15M · min. income ≈ HK$40,194/mo (50% DSR)
Upfront cash ≈ HK$539K (deposit + AVD stamp duty HK$78,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,038
−HK$1,137/mo
▼ 0.25% · 3.875%
HK$21,602
−HK$573/mo
Today · 4.125%
HK$22,175
baseline
▲ 0.50% · 4.625%
HK$23,344
+HK$1,169/mo
Deposit HK$461K · loan HK$4.15M · min. income ≈ HK$44,350/mo (50% DSR)
Upfront cash ≈ HK$539K (deposit + AVD stamp duty HK$78,238 · 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).