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$10,488
−HK$657/mo
▼ 0.25% · 3.875%
HK$10,814
−HK$331/mo
Today · 4.125%
HK$11,145
baseline
▲ 0.50% · 4.625%
HK$11,824
+HK$679/mo
Deposit HK$2.30M · loan HK$2.30M · min. income ≈ HK$22,290/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$77,438 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,668
−HK$630/mo
▼ 0.25% · 3.875%
HK$11,980
−HK$318/mo
Today · 4.125%
HK$12,298
baseline
▲ 0.50% · 4.625%
HK$12,946
+HK$648/mo
Deposit HK$2.30M · loan HK$2.30M · min. income ≈ HK$24,596/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$77,438 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,585
−HK$790/mo
▼ 0.25% · 3.875%
HK$12,977
−HK$398/mo
Today · 4.125%
HK$13,375
baseline
▲ 0.50% · 4.625%
HK$14,188
+HK$813/mo
Deposit HK$1.84M · loan HK$2.76M · min. income ≈ HK$26,750/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$77,438 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,001
−HK$756/mo
▼ 0.25% · 3.875%
HK$14,377
−HK$380/mo
Today · 4.125%
HK$14,757
baseline
▲ 0.50% · 4.625%
HK$15,535
+HK$778/mo
Deposit HK$1.84M · loan HK$2.76M · min. income ≈ HK$29,514/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$77,438 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,683
−HK$921/mo
▼ 0.25% · 3.875%
HK$15,140
−HK$464/mo
Today · 4.125%
HK$15,604
baseline
▲ 0.50% · 4.625%
HK$16,553
+HK$949/mo
Deposit HK$1.38M · loan HK$3.22M · min. income ≈ HK$31,208/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$77,438 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,335
−HK$882/mo
▼ 0.25% · 3.875%
HK$16,773
−HK$444/mo
Today · 4.125%
HK$17,217
baseline
▲ 0.50% · 4.625%
HK$18,125
+HK$908/mo
Deposit HK$1.38M · loan HK$3.22M · min. income ≈ HK$34,434/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$77,438 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,878
−HK$1,184/mo
▼ 0.25% · 3.875%
HK$19,465
−HK$597/mo
Today · 4.125%
HK$20,062
baseline
▲ 0.50% · 4.625%
HK$21,283
+HK$1,221/mo
Deposit HK$460K · loan HK$4.14M · min. income ≈ HK$40,124/mo (50% DSR)
Upfront cash ≈ HK$537K (deposit + AVD stamp duty HK$77,438 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,002
−HK$1,134/mo
▼ 0.25% · 3.875%
HK$21,565
−HK$571/mo
Today · 4.125%
HK$22,136
baseline
▲ 0.50% · 4.625%
HK$23,303
+HK$1,167/mo
Deposit HK$460K · loan HK$4.14M · min. income ≈ HK$44,272/mo (50% DSR)
Upfront cash ≈ HK$537K (deposit + AVD stamp duty HK$77,438 · 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).