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$10,518
−HK$659/mo
▼ 0.25% · 3.875%
HK$10,845
−HK$332/mo
Today · 4.125%
HK$11,177
baseline
▲ 0.50% · 4.625%
HK$11,857
+HK$680/mo
Deposit HK$2.31M · loan HK$2.31M · min. income ≈ HK$22,354/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$78,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,701
−HK$632/mo
▼ 0.25% · 3.875%
HK$12,015
−HK$318/mo
Today · 4.125%
HK$12,333
baseline
▲ 0.50% · 4.625%
HK$12,983
+HK$650/mo
Deposit HK$2.31M · loan HK$2.31M · min. income ≈ HK$24,666/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$78,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,621
−HK$792/mo
▼ 0.25% · 3.875%
HK$13,014
−HK$399/mo
Today · 4.125%
HK$13,413
baseline
▲ 0.50% · 4.625%
HK$14,229
+HK$816/mo
Deposit HK$1.85M · loan HK$2.77M · min. income ≈ HK$26,826/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$78,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,041
−HK$759/mo
▼ 0.25% · 3.875%
HK$14,418
−HK$382/mo
Today · 4.125%
HK$14,800
baseline
▲ 0.50% · 4.625%
HK$15,580
+HK$780/mo
Deposit HK$1.85M · loan HK$2.77M · min. income ≈ HK$29,600/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$78,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,725
−HK$923/mo
▼ 0.25% · 3.875%
HK$15,183
−HK$465/mo
Today · 4.125%
HK$15,648
baseline
▲ 0.50% · 4.625%
HK$16,600
+HK$952/mo
Deposit HK$1.38M · loan HK$3.23M · min. income ≈ HK$31,296/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$78,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,381
−HK$885/mo
▼ 0.25% · 3.875%
HK$16,821
−HK$445/mo
Today · 4.125%
HK$17,266
baseline
▲ 0.50% · 4.625%
HK$18,176
+HK$910/mo
Deposit HK$1.38M · loan HK$3.23M · min. income ≈ HK$34,532/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$78,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,932
−HK$1,187/mo
▼ 0.25% · 3.875%
HK$19,521
−HK$598/mo
Today · 4.125%
HK$20,119
baseline
▲ 0.50% · 4.625%
HK$21,343
+HK$1,224/mo
Deposit HK$461K · loan HK$4.15M · min. income ≈ HK$40,238/mo (50% DSR)
Upfront cash ≈ HK$540K (deposit + AVD stamp duty HK$78,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,062
−HK$1,137/mo
▼ 0.25% · 3.875%
HK$21,626
−HK$573/mo
Today · 4.125%
HK$22,199
baseline
▲ 0.50% · 4.625%
HK$23,370
+HK$1,171/mo
Deposit HK$461K · loan HK$4.15M · min. income ≈ HK$44,398/mo (50% DSR)
Upfront cash ≈ HK$540K (deposit + AVD stamp duty HK$78,752 · 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).