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$10,579
−HK$663/mo
▼ 0.25% · 3.875%
HK$10,908
−HK$334/mo
Today · 4.125%
HK$11,242
baseline
▲ 0.50% · 4.625%
HK$11,927
+HK$685/mo
Deposit HK$2.32M · loan HK$2.32M · min. income ≈ HK$22,484/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$81,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,769
−HK$636/mo
▼ 0.25% · 3.875%
HK$12,085
−HK$320/mo
Today · 4.125%
HK$12,405
baseline
▲ 0.50% · 4.625%
HK$13,059
+HK$654/mo
Deposit HK$2.32M · loan HK$2.32M · min. income ≈ HK$24,810/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$81,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,695
−HK$796/mo
▼ 0.25% · 3.875%
HK$13,090
−HK$401/mo
Today · 4.125%
HK$13,491
baseline
▲ 0.50% · 4.625%
HK$14,312
+HK$821/mo
Deposit HK$1.86M · loan HK$2.78M · min. income ≈ HK$26,982/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$81,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,123
−HK$763/mo
▼ 0.25% · 3.875%
HK$14,502
−HK$384/mo
Today · 4.125%
HK$14,886
baseline
▲ 0.50% · 4.625%
HK$15,671
+HK$785/mo
Deposit HK$1.86M · loan HK$2.78M · min. income ≈ HK$29,772/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$81,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,811
−HK$928/mo
▼ 0.25% · 3.875%
HK$15,271
−HK$468/mo
Today · 4.125%
HK$15,739
baseline
▲ 0.50% · 4.625%
HK$16,697
+HK$958/mo
Deposit HK$1.39M · loan HK$3.25M · min. income ≈ HK$31,478/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$81,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,477
−HK$890/mo
▼ 0.25% · 3.875%
HK$16,919
−HK$448/mo
Today · 4.125%
HK$17,367
baseline
▲ 0.50% · 4.625%
HK$18,282
+HK$915/mo
Deposit HK$1.39M · loan HK$3.25M · min. income ≈ HK$34,734/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$81,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,042
−HK$1,194/mo
▼ 0.25% · 3.875%
HK$19,635
−HK$601/mo
Today · 4.125%
HK$20,236
baseline
▲ 0.50% · 4.625%
HK$21,468
+HK$1,232/mo
Deposit HK$464K · loan HK$4.18M · min. income ≈ HK$40,472/mo (50% DSR)
Upfront cash ≈ HK$545K (deposit + AVD stamp duty HK$81,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,184
−HK$1,145/mo
▼ 0.25% · 3.875%
HK$21,753
−HK$576/mo
Today · 4.125%
HK$22,329
baseline
▲ 0.50% · 4.625%
HK$23,506
+HK$1,177/mo
Deposit HK$464K · loan HK$4.18M · min. income ≈ HK$44,658/mo (50% DSR)
Upfront cash ≈ HK$545K (deposit + AVD stamp duty HK$81,442 · 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).