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$10,582
−HK$664/mo
▼ 0.25% · 3.875%
HK$10,912
−HK$334/mo
Today · 4.125%
HK$11,246
baseline
▲ 0.50% · 4.625%
HK$11,930
+HK$684/mo
Deposit HK$2.32M · loan HK$2.32M · min. income ≈ HK$22,492/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$81,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,773
−HK$636/mo
▼ 0.25% · 3.875%
HK$12,089
−HK$320/mo
Today · 4.125%
HK$12,409
baseline
▲ 0.50% · 4.625%
HK$13,063
+HK$654/mo
Deposit HK$2.32M · loan HK$2.32M · min. income ≈ HK$24,818/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$81,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,699
−HK$796/mo
▼ 0.25% · 3.875%
HK$13,094
−HK$401/mo
Today · 4.125%
HK$13,495
baseline
▲ 0.50% · 4.625%
HK$14,316
+HK$821/mo
Deposit HK$1.86M · loan HK$2.78M · min. income ≈ HK$26,990/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$81,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,128
−HK$763/mo
▼ 0.25% · 3.875%
HK$14,506
−HK$385/mo
Today · 4.125%
HK$14,891
baseline
▲ 0.50% · 4.625%
HK$15,676
+HK$785/mo
Deposit HK$1.86M · loan HK$2.78M · min. income ≈ HK$29,782/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$81,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,815
−HK$930/mo
▼ 0.25% · 3.875%
HK$15,276
−HK$469/mo
Today · 4.125%
HK$15,745
baseline
▲ 0.50% · 4.625%
HK$16,703
+HK$958/mo
Deposit HK$1.39M · loan HK$3.25M · min. income ≈ HK$31,490/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$81,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,482
−HK$891/mo
▼ 0.25% · 3.875%
HK$16,924
−HK$449/mo
Today · 4.125%
HK$17,373
baseline
▲ 0.50% · 4.625%
HK$18,288
+HK$915/mo
Deposit HK$1.39M · loan HK$3.25M · min. income ≈ HK$34,746/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$81,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,048
−HK$1,195/mo
▼ 0.25% · 3.875%
HK$19,641
−HK$602/mo
Today · 4.125%
HK$20,243
baseline
▲ 0.50% · 4.625%
HK$21,475
+HK$1,232/mo
Deposit HK$464K · loan HK$4.18M · min. income ≈ HK$40,486/mo (50% DSR)
Upfront cash ≈ HK$546K (deposit + AVD stamp duty HK$81,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,191
−HK$1,145/mo
▼ 0.25% · 3.875%
HK$21,760
−HK$576/mo
Today · 4.125%
HK$22,336
baseline
▲ 0.50% · 4.625%
HK$23,514
+HK$1,178/mo
Deposit HK$464K · loan HK$4.18M · min. income ≈ HK$44,672/mo (50% DSR)
Upfront cash ≈ HK$546K (deposit + AVD stamp duty HK$81,593 · 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).