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$10,564
−HK$662/mo
▼ 0.25% · 3.875%
HK$10,892
−HK$334/mo
Today · 4.125%
HK$11,226
baseline
▲ 0.50% · 4.625%
HK$11,909
+HK$683/mo
Deposit HK$2.32M · loan HK$2.32M · min. income ≈ HK$22,452/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$80,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,752
−HK$635/mo
▼ 0.25% · 3.875%
HK$12,067
−HK$320/mo
Today · 4.125%
HK$12,387
baseline
▲ 0.50% · 4.625%
HK$13,040
+HK$653/mo
Deposit HK$2.32M · loan HK$2.32M · min. income ≈ HK$24,774/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$80,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,676
−HK$795/mo
▼ 0.25% · 3.875%
HK$13,071
−HK$400/mo
Today · 4.125%
HK$13,471
baseline
▲ 0.50% · 4.625%
HK$14,291
+HK$820/mo
Deposit HK$1.85M · loan HK$2.78M · min. income ≈ HK$26,942/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$80,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,102
−HK$762/mo
▼ 0.25% · 3.875%
HK$14,481
−HK$383/mo
Today · 4.125%
HK$14,864
baseline
▲ 0.50% · 4.625%
HK$15,648
+HK$784/mo
Deposit HK$1.85M · loan HK$2.78M · min. income ≈ HK$29,728/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$80,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,789
−HK$927/mo
▼ 0.25% · 3.875%
HK$15,249
−HK$467/mo
Today · 4.125%
HK$15,716
baseline
▲ 0.50% · 4.625%
HK$16,673
+HK$957/mo
Deposit HK$1.39M · loan HK$3.24M · min. income ≈ HK$31,432/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$80,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,453
−HK$889/mo
▼ 0.25% · 3.875%
HK$16,894
−HK$448/mo
Today · 4.125%
HK$17,342
baseline
▲ 0.50% · 4.625%
HK$18,256
+HK$914/mo
Deposit HK$1.39M · loan HK$3.24M · min. income ≈ HK$34,684/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$80,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,014
−HK$1,193/mo
▼ 0.25% · 3.875%
HK$19,606
−HK$601/mo
Today · 4.125%
HK$20,207
baseline
▲ 0.50% · 4.625%
HK$21,436
+HK$1,229/mo
Deposit HK$463K · loan HK$4.17M · min. income ≈ HK$40,414/mo (50% DSR)
Upfront cash ≈ HK$544K (deposit + AVD stamp duty HK$80,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,153
−HK$1,143/mo
▼ 0.25% · 3.875%
HK$21,721
−HK$575/mo
Today · 4.125%
HK$22,296
baseline
▲ 0.50% · 4.625%
HK$23,472
+HK$1,176/mo
Deposit HK$463K · loan HK$4.17M · min. income ≈ HK$44,592/mo (50% DSR)
Upfront cash ≈ HK$544K (deposit + AVD stamp duty HK$80,764 · 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).