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$10,609
−HK$665/mo
▼ 0.25% · 3.875%
HK$10,938
−HK$336/mo
Today · 4.125%
HK$11,274
baseline
▲ 0.50% · 4.625%
HK$11,960
+HK$686/mo
Deposit HK$2.33M · loan HK$2.33M · min. income ≈ HK$22,548/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$82,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,802
−HK$637/mo
▼ 0.25% · 3.875%
HK$12,118
−HK$321/mo
Today · 4.125%
HK$12,439
baseline
▲ 0.50% · 4.625%
HK$13,095
+HK$656/mo
Deposit HK$2.33M · loan HK$2.33M · min. income ≈ HK$24,878/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$82,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,730
−HK$799/mo
▼ 0.25% · 3.875%
HK$13,126
−HK$403/mo
Today · 4.125%
HK$13,529
baseline
▲ 0.50% · 4.625%
HK$14,352
+HK$823/mo
Deposit HK$1.86M · loan HK$2.79M · min. income ≈ HK$27,058/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$82,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,162
−HK$765/mo
▼ 0.25% · 3.875%
HK$14,542
−HK$385/mo
Today · 4.125%
HK$14,927
baseline
▲ 0.50% · 4.625%
HK$15,714
+HK$787/mo
Deposit HK$1.86M · loan HK$2.79M · min. income ≈ HK$29,854/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$82,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,852
−HK$931/mo
▼ 0.25% · 3.875%
HK$15,314
−HK$469/mo
Today · 4.125%
HK$15,783
baseline
▲ 0.50% · 4.625%
HK$16,744
+HK$961/mo
Deposit HK$1.40M · loan HK$3.26M · min. income ≈ HK$31,566/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$82,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,523
−HK$892/mo
▼ 0.25% · 3.875%
HK$16,966
−HK$449/mo
Today · 4.125%
HK$17,415
baseline
▲ 0.50% · 4.625%
HK$18,333
+HK$918/mo
Deposit HK$1.40M · loan HK$3.26M · min. income ≈ HK$34,830/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$82,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,095
−HK$1,198/mo
▼ 0.25% · 3.875%
HK$19,689
−HK$604/mo
Today · 4.125%
HK$20,293
baseline
▲ 0.50% · 4.625%
HK$21,528
+HK$1,235/mo
Deposit HK$465K · loan HK$4.19M · min. income ≈ HK$40,586/mo (50% DSR)
Upfront cash ≈ HK$548K (deposit + AVD stamp duty HK$82,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,243
−HK$1,148/mo
▼ 0.25% · 3.875%
HK$21,813
−HK$578/mo
Today · 4.125%
HK$22,391
baseline
▲ 0.50% · 4.625%
HK$23,571
+HK$1,180/mo
Deposit HK$465K · loan HK$4.19M · min. income ≈ HK$44,782/mo (50% DSR)
Upfront cash ≈ HK$548K (deposit + AVD stamp duty HK$82,734 · 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).