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$10,499
−HK$658/mo
▼ 0.25% · 3.875%
HK$10,826
−HK$331/mo
Today · 4.125%
HK$11,157
baseline
▲ 0.50% · 4.625%
HK$11,836
+HK$679/mo
Deposit HK$2.30M · loan HK$2.30M · min. income ≈ HK$22,314/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$77,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,680
−HK$631/mo
▼ 0.25% · 3.875%
HK$11,993
−HK$318/mo
Today · 4.125%
HK$12,311
baseline
▲ 0.50% · 4.625%
HK$12,960
+HK$649/mo
Deposit HK$2.30M · loan HK$2.30M · min. income ≈ HK$24,622/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$77,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,599
−HK$790/mo
▼ 0.25% · 3.875%
HK$12,991
−HK$398/mo
Today · 4.125%
HK$13,389
baseline
▲ 0.50% · 4.625%
HK$14,204
+HK$815/mo
Deposit HK$1.84M · loan HK$2.76M · min. income ≈ HK$26,778/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$77,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,016
−HK$757/mo
▼ 0.25% · 3.875%
HK$14,392
−HK$381/mo
Today · 4.125%
HK$14,773
baseline
▲ 0.50% · 4.625%
HK$15,552
+HK$779/mo
Deposit HK$1.84M · loan HK$2.76M · min. income ≈ HK$29,546/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$77,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,699
−HK$921/mo
▼ 0.25% · 3.875%
HK$15,156
−HK$464/mo
Today · 4.125%
HK$15,620
baseline
▲ 0.50% · 4.625%
HK$16,571
+HK$951/mo
Deposit HK$1.38M · loan HK$3.22M · min. income ≈ HK$31,240/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$77,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,352
−HK$884/mo
▼ 0.25% · 3.875%
HK$16,791
−HK$445/mo
Today · 4.125%
HK$17,236
baseline
▲ 0.50% · 4.625%
HK$18,144
+HK$908/mo
Deposit HK$1.38M · loan HK$3.22M · min. income ≈ HK$34,472/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$77,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,898
−HK$1,185/mo
▼ 0.25% · 3.875%
HK$19,486
−HK$597/mo
Today · 4.125%
HK$20,083
baseline
▲ 0.50% · 4.625%
HK$21,305
+HK$1,222/mo
Deposit HK$460K · loan HK$4.14M · min. income ≈ HK$40,166/mo (50% DSR)
Upfront cash ≈ HK$538K (deposit + AVD stamp duty HK$77,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,024
−HK$1,136/mo
▼ 0.25% · 3.875%
HK$21,588
−HK$572/mo
Today · 4.125%
HK$22,160
baseline
▲ 0.50% · 4.625%
HK$23,328
+HK$1,168/mo
Deposit HK$460K · loan HK$4.14M · min. income ≈ HK$44,320/mo (50% DSR)
Upfront cash ≈ HK$538K (deposit + AVD stamp duty HK$77,933 · 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).