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$10,553
−HK$662/mo
▼ 0.25% · 3.875%
HK$10,881
−HK$334/mo
Today · 4.125%
HK$11,215
baseline
▲ 0.50% · 4.625%
HK$11,897
+HK$682/mo
Deposit HK$2.31M · loan HK$2.31M · min. income ≈ HK$22,430/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$80,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,740
−HK$635/mo
▼ 0.25% · 3.875%
HK$12,055
−HK$320/mo
Today · 4.125%
HK$12,375
baseline
▲ 0.50% · 4.625%
HK$13,027
+HK$652/mo
Deposit HK$2.31M · loan HK$2.31M · min. income ≈ HK$24,750/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$80,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,664
−HK$794/mo
▼ 0.25% · 3.875%
HK$13,058
−HK$400/mo
Today · 4.125%
HK$13,458
baseline
▲ 0.50% · 4.625%
HK$14,277
+HK$819/mo
Deposit HK$1.85M · loan HK$2.78M · min. income ≈ HK$26,916/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$80,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,088
−HK$762/mo
▼ 0.25% · 3.875%
HK$14,466
−HK$384/mo
Today · 4.125%
HK$14,850
baseline
▲ 0.50% · 4.625%
HK$15,632
+HK$782/mo
Deposit HK$1.85M · loan HK$2.78M · min. income ≈ HK$29,700/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$80,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,774
−HK$927/mo
▼ 0.25% · 3.875%
HK$15,234
−HK$467/mo
Today · 4.125%
HK$15,701
baseline
▲ 0.50% · 4.625%
HK$16,656
+HK$955/mo
Deposit HK$1.39M · loan HK$3.24M · min. income ≈ HK$31,402/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$80,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,436
−HK$888/mo
▼ 0.25% · 3.875%
HK$16,877
−HK$447/mo
Today · 4.125%
HK$17,324
baseline
▲ 0.50% · 4.625%
HK$18,238
+HK$914/mo
Deposit HK$1.39M · loan HK$3.24M · min. income ≈ HK$34,648/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$80,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,996
−HK$1,191/mo
▼ 0.25% · 3.875%
HK$19,587
−HK$600/mo
Today · 4.125%
HK$20,187
baseline
▲ 0.50% · 4.625%
HK$21,415
+HK$1,228/mo
Deposit HK$463K · loan HK$4.17M · min. income ≈ HK$40,374/mo (50% DSR)
Upfront cash ≈ HK$543K (deposit + AVD stamp duty HK$80,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,133
−HK$1,141/mo
▼ 0.25% · 3.875%
HK$21,699
−HK$575/mo
Today · 4.125%
HK$22,274
baseline
▲ 0.50% · 4.625%
HK$23,448
+HK$1,174/mo
Deposit HK$463K · loan HK$4.17M · min. income ≈ HK$44,548/mo (50% DSR)
Upfront cash ≈ HK$543K (deposit + AVD stamp duty HK$80,307 · 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).