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$10,650
−HK$668/mo
▼ 0.25% · 3.875%
HK$10,982
−HK$336/mo
Today · 4.125%
HK$11,318
baseline
▲ 0.50% · 4.625%
HK$12,007
+HK$689/mo
Deposit HK$2.34M · loan HK$2.34M · min. income ≈ HK$22,636/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$84,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,848
−HK$640/mo
▼ 0.25% · 3.875%
HK$12,166
−HK$322/mo
Today · 4.125%
HK$12,488
baseline
▲ 0.50% · 4.625%
HK$13,147
+HK$659/mo
Deposit HK$2.34M · loan HK$2.34M · min. income ≈ HK$24,976/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$84,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,780
−HK$802/mo
▼ 0.25% · 3.875%
HK$13,178
−HK$404/mo
Today · 4.125%
HK$13,582
baseline
▲ 0.50% · 4.625%
HK$14,408
+HK$826/mo
Deposit HK$1.87M · loan HK$2.80M · min. income ≈ HK$27,164/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$84,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,218
−HK$768/mo
▼ 0.25% · 3.875%
HK$14,599
−HK$387/mo
Today · 4.125%
HK$14,986
baseline
▲ 0.50% · 4.625%
HK$15,776
+HK$790/mo
Deposit HK$1.87M · loan HK$2.80M · min. income ≈ HK$29,972/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$84,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,910
−HK$935/mo
▼ 0.25% · 3.875%
HK$15,374
−HK$471/mo
Today · 4.125%
HK$15,845
baseline
▲ 0.50% · 4.625%
HK$16,810
+HK$965/mo
Deposit HK$1.40M · loan HK$3.27M · min. income ≈ HK$31,690/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$84,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,588
−HK$896/mo
▼ 0.25% · 3.875%
HK$17,032
−HK$452/mo
Today · 4.125%
HK$17,484
baseline
▲ 0.50% · 4.625%
HK$18,405
+HK$921/mo
Deposit HK$1.40M · loan HK$3.27M · min. income ≈ HK$34,968/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$84,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,170
−HK$1,203/mo
▼ 0.25% · 3.875%
HK$19,767
−HK$606/mo
Today · 4.125%
HK$20,373
baseline
▲ 0.50% · 4.625%
HK$21,612
+HK$1,239/mo
Deposit HK$467K · loan HK$4.20M · min. income ≈ HK$40,746/mo (50% DSR)
Upfront cash ≈ HK$552K (deposit + AVD stamp duty HK$84,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,327
−HK$1,152/mo
▼ 0.25% · 3.875%
HK$21,899
−HK$580/mo
Today · 4.125%
HK$22,479
baseline
▲ 0.50% · 4.625%
HK$23,664
+HK$1,185/mo
Deposit HK$467K · loan HK$4.20M · min. income ≈ HK$44,958/mo (50% DSR)
Upfront cash ≈ HK$552K (deposit + AVD stamp duty HK$84,564 · 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).