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$10,633
−HK$667/mo
▼ 0.25% · 3.875%
HK$10,964
−HK$336/mo
Today · 4.125%
HK$11,300
baseline
▲ 0.50% · 4.625%
HK$11,988
+HK$688/mo
Deposit HK$2.33M · loan HK$2.33M · min. income ≈ HK$22,600/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$83,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,830
−HK$639/mo
▼ 0.25% · 3.875%
HK$12,147
−HK$322/mo
Today · 4.125%
HK$12,469
baseline
▲ 0.50% · 4.625%
HK$13,126
+HK$657/mo
Deposit HK$2.33M · loan HK$2.33M · min. income ≈ HK$24,938/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$83,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,760
−HK$800/mo
▼ 0.25% · 3.875%
HK$13,157
−HK$403/mo
Today · 4.125%
HK$13,560
baseline
▲ 0.50% · 4.625%
HK$14,385
+HK$825/mo
Deposit HK$1.87M · loan HK$2.80M · min. income ≈ HK$27,120/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$83,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,196
−HK$766/mo
▼ 0.25% · 3.875%
HK$14,576
−HK$386/mo
Today · 4.125%
HK$14,962
baseline
▲ 0.50% · 4.625%
HK$15,751
+HK$789/mo
Deposit HK$1.87M · loan HK$2.80M · min. income ≈ HK$29,924/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$83,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,887
−HK$933/mo
▼ 0.25% · 3.875%
HK$15,350
−HK$470/mo
Today · 4.125%
HK$15,820
baseline
▲ 0.50% · 4.625%
HK$16,783
+HK$963/mo
Deposit HK$1.40M · loan HK$3.26M · min. income ≈ HK$31,640/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$83,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,561
−HK$895/mo
▼ 0.25% · 3.875%
HK$17,006
−HK$450/mo
Today · 4.125%
HK$17,456
baseline
▲ 0.50% · 4.625%
HK$18,376
+HK$920/mo
Deposit HK$1.40M · loan HK$3.26M · min. income ≈ HK$34,912/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$83,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,140
−HK$1,201/mo
▼ 0.25% · 3.875%
HK$19,736
−HK$605/mo
Today · 4.125%
HK$20,341
baseline
▲ 0.50% · 4.625%
HK$21,578
+HK$1,237/mo
Deposit HK$466K · loan HK$4.20M · min. income ≈ HK$40,682/mo (50% DSR)
Upfront cash ≈ HK$550K (deposit + AVD stamp duty HK$83,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,293
−HK$1,151/mo
▼ 0.25% · 3.875%
HK$21,864
−HK$580/mo
Today · 4.125%
HK$22,444
baseline
▲ 0.50% · 4.625%
HK$23,627
+HK$1,183/mo
Deposit HK$466K · loan HK$4.20M · min. income ≈ HK$44,888/mo (50% DSR)
Upfront cash ≈ HK$550K (deposit + AVD stamp duty HK$83,828 · 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).