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$10,639
−HK$667/mo
▼ 0.25% · 3.875%
HK$10,969
−HK$337/mo
Today · 4.125%
HK$11,306
baseline
▲ 0.50% · 4.625%
HK$11,994
+HK$688/mo
Deposit HK$2.33M · loan HK$2.33M · min. income ≈ HK$22,612/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$84,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,835
−HK$640/mo
▼ 0.25% · 3.875%
HK$12,153
−HK$322/mo
Today · 4.125%
HK$12,475
baseline
▲ 0.50% · 4.625%
HK$13,132
+HK$657/mo
Deposit HK$2.33M · loan HK$2.33M · min. income ≈ HK$24,950/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$84,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,766
−HK$801/mo
▼ 0.25% · 3.875%
HK$13,163
−HK$404/mo
Today · 4.125%
HK$13,567
baseline
▲ 0.50% · 4.625%
HK$14,392
+HK$825/mo
Deposit HK$1.87M · loan HK$2.80M · min. income ≈ HK$27,134/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$84,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,202
−HK$768/mo
▼ 0.25% · 3.875%
HK$14,583
−HK$387/mo
Today · 4.125%
HK$14,970
baseline
▲ 0.50% · 4.625%
HK$15,759
+HK$789/mo
Deposit HK$1.87M · loan HK$2.80M · min. income ≈ HK$29,940/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$84,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,894
−HK$934/mo
▼ 0.25% · 3.875%
HK$15,357
−HK$471/mo
Today · 4.125%
HK$15,828
baseline
▲ 0.50% · 4.625%
HK$16,791
+HK$963/mo
Deposit HK$1.40M · loan HK$3.27M · min. income ≈ HK$31,656/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$84,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,569
−HK$896/mo
▼ 0.25% · 3.875%
HK$17,014
−HK$451/mo
Today · 4.125%
HK$17,465
baseline
▲ 0.50% · 4.625%
HK$18,385
+HK$920/mo
Deposit HK$1.40M · loan HK$3.27M · min. income ≈ HK$34,930/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$84,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,149
−HK$1,201/mo
▼ 0.25% · 3.875%
HK$19,745
−HK$605/mo
Today · 4.125%
HK$20,350
baseline
▲ 0.50% · 4.625%
HK$21,589
+HK$1,239/mo
Deposit HK$467K · loan HK$4.20M · min. income ≈ HK$40,700/mo (50% DSR)
Upfront cash ≈ HK$551K (deposit + AVD stamp duty HK$84,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,304
−HK$1,151/mo
▼ 0.25% · 3.875%
HK$21,875
−HK$580/mo
Today · 4.125%
HK$22,455
baseline
▲ 0.50% · 4.625%
HK$23,638
+HK$1,183/mo
Deposit HK$467K · loan HK$4.20M · min. income ≈ HK$44,910/mo (50% DSR)
Upfront cash ≈ HK$551K (deposit + AVD stamp duty HK$84,052 · 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).