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$10,543
−HK$661/mo
▼ 0.25% · 3.875%
HK$10,871
−HK$333/mo
Today · 4.125%
HK$11,204
baseline
▲ 0.50% · 4.625%
HK$11,886
+HK$682/mo
Deposit HK$2.31M · loan HK$2.31M · min. income ≈ HK$22,408/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$79,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,729
−HK$633/mo
▼ 0.25% · 3.875%
HK$12,043
−HK$319/mo
Today · 4.125%
HK$12,362
baseline
▲ 0.50% · 4.625%
HK$13,014
+HK$652/mo
Deposit HK$2.31M · loan HK$2.31M · min. income ≈ HK$24,724/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$79,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,651
−HK$794/mo
▼ 0.25% · 3.875%
HK$13,045
−HK$400/mo
Today · 4.125%
HK$13,445
baseline
▲ 0.50% · 4.625%
HK$14,263
+HK$818/mo
Deposit HK$1.85M · loan HK$2.77M · min. income ≈ HK$26,890/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$79,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,074
−HK$761/mo
▼ 0.25% · 3.875%
HK$14,452
−HK$383/mo
Today · 4.125%
HK$14,835
baseline
▲ 0.50% · 4.625%
HK$15,617
+HK$782/mo
Deposit HK$1.85M · loan HK$2.77M · min. income ≈ HK$29,670/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$79,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,760
−HK$925/mo
▼ 0.25% · 3.875%
HK$15,219
−HK$466/mo
Today · 4.125%
HK$15,685
baseline
▲ 0.50% · 4.625%
HK$16,640
+HK$955/mo
Deposit HK$1.39M · loan HK$3.24M · min. income ≈ HK$31,370/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$79,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,420
−HK$887/mo
▼ 0.25% · 3.875%
HK$16,861
−HK$446/mo
Today · 4.125%
HK$17,307
baseline
▲ 0.50% · 4.625%
HK$18,220
+HK$913/mo
Deposit HK$1.39M · loan HK$3.24M · min. income ≈ HK$34,614/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$79,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,977
−HK$1,190/mo
▼ 0.25% · 3.875%
HK$19,567
−HK$600/mo
Today · 4.125%
HK$20,167
baseline
▲ 0.50% · 4.625%
HK$21,394
+HK$1,227/mo
Deposit HK$462K · loan HK$4.16M · min. income ≈ HK$40,334/mo (50% DSR)
Upfront cash ≈ HK$542K (deposit + AVD stamp duty HK$79,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,112
−HK$1,140/mo
▼ 0.25% · 3.875%
HK$21,678
−HK$574/mo
Today · 4.125%
HK$22,252
baseline
▲ 0.50% · 4.625%
HK$23,425
+HK$1,173/mo
Deposit HK$462K · loan HK$4.16M · min. income ≈ HK$44,504/mo (50% DSR)
Upfront cash ≈ HK$542K (deposit + AVD stamp duty HK$79,851 · 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).