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$10,505
−HK$659/mo
▼ 0.25% · 3.875%
HK$10,832
−HK$332/mo
Today · 4.125%
HK$11,164
baseline
▲ 0.50% · 4.625%
HK$11,843
+HK$679/mo
Deposit HK$2.30M · loan HK$2.30M · min. income ≈ HK$22,328/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$78,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,686
−HK$632/mo
▼ 0.25% · 3.875%
HK$12,000
−HK$318/mo
Today · 4.125%
HK$12,318
baseline
▲ 0.50% · 4.625%
HK$12,967
+HK$649/mo
Deposit HK$2.30M · loan HK$2.30M · min. income ≈ HK$24,636/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$78,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,606
−HK$790/mo
▼ 0.25% · 3.875%
HK$12,998
−HK$398/mo
Today · 4.125%
HK$13,396
baseline
▲ 0.50% · 4.625%
HK$14,211
+HK$815/mo
Deposit HK$1.84M · loan HK$2.76M · min. income ≈ HK$26,792/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$78,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,024
−HK$757/mo
▼ 0.25% · 3.875%
HK$14,400
−HK$381/mo
Today · 4.125%
HK$14,781
baseline
▲ 0.50% · 4.625%
HK$15,561
+HK$780/mo
Deposit HK$1.84M · loan HK$2.76M · min. income ≈ HK$29,562/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$78,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,707
−HK$922/mo
▼ 0.25% · 3.875%
HK$15,164
−HK$465/mo
Today · 4.125%
HK$15,629
baseline
▲ 0.50% · 4.625%
HK$16,580
+HK$951/mo
Deposit HK$1.38M · loan HK$3.22M · min. income ≈ HK$31,258/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$78,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,361
−HK$884/mo
▼ 0.25% · 3.875%
HK$16,800
−HK$445/mo
Today · 4.125%
HK$17,245
baseline
▲ 0.50% · 4.625%
HK$18,154
+HK$909/mo
Deposit HK$1.38M · loan HK$3.22M · min. income ≈ HK$34,490/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$78,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,909
−HK$1,185/mo
▼ 0.25% · 3.875%
HK$19,497
−HK$597/mo
Today · 4.125%
HK$20,094
baseline
▲ 0.50% · 4.625%
HK$21,317
+HK$1,223/mo
Deposit HK$461K · loan HK$4.15M · min. income ≈ HK$40,188/mo (50% DSR)
Upfront cash ≈ HK$539K (deposit + AVD stamp duty HK$78,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,036
−HK$1,136/mo
▼ 0.25% · 3.875%
HK$21,600
−HK$572/mo
Today · 4.125%
HK$22,172
baseline
▲ 0.50% · 4.625%
HK$23,341
+HK$1,169/mo
Deposit HK$461K · loan HK$4.15M · min. income ≈ HK$44,344/mo (50% DSR)
Upfront cash ≈ HK$539K (deposit + AVD stamp duty HK$78,186 · 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).