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$10,589
−HK$664/mo
▼ 0.25% · 3.875%
HK$10,918
−HK$335/mo
Today · 4.125%
HK$11,253
baseline
▲ 0.50% · 4.625%
HK$11,937
+HK$684/mo
Deposit HK$2.32M · loan HK$2.32M · min. income ≈ HK$22,506/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$81,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,780
−HK$636/mo
▼ 0.25% · 3.875%
HK$12,096
−HK$320/mo
Today · 4.125%
HK$12,416
baseline
▲ 0.50% · 4.625%
HK$13,071
+HK$655/mo
Deposit HK$2.32M · loan HK$2.32M · min. income ≈ HK$24,832/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$81,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,706
−HK$797/mo
▼ 0.25% · 3.875%
HK$13,102
−HK$401/mo
Today · 4.125%
HK$13,503
baseline
▲ 0.50% · 4.625%
HK$14,325
+HK$822/mo
Deposit HK$1.86M · loan HK$2.79M · min. income ≈ HK$27,006/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$81,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,136
−HK$763/mo
▼ 0.25% · 3.875%
HK$14,515
−HK$384/mo
Today · 4.125%
HK$14,899
baseline
▲ 0.50% · 4.625%
HK$15,685
+HK$786/mo
Deposit HK$1.86M · loan HK$2.79M · min. income ≈ HK$29,798/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$81,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,824
−HK$930/mo
▼ 0.25% · 3.875%
HK$15,285
−HK$469/mo
Today · 4.125%
HK$15,754
baseline
▲ 0.50% · 4.625%
HK$16,712
+HK$958/mo
Deposit HK$1.39M · loan HK$3.25M · min. income ≈ HK$31,508/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$81,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,492
−HK$891/mo
▼ 0.25% · 3.875%
HK$16,934
−HK$449/mo
Today · 4.125%
HK$17,383
baseline
▲ 0.50% · 4.625%
HK$18,299
+HK$916/mo
Deposit HK$1.39M · loan HK$3.25M · min. income ≈ HK$34,766/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$81,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,059
−HK$1,196/mo
▼ 0.25% · 3.875%
HK$19,652
−HK$603/mo
Today · 4.125%
HK$20,255
baseline
▲ 0.50% · 4.625%
HK$21,487
+HK$1,232/mo
Deposit HK$464K · loan HK$4.18M · min. income ≈ HK$40,510/mo (50% DSR)
Upfront cash ≈ HK$546K (deposit + AVD stamp duty HK$81,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,203
−HK$1,146/mo
▼ 0.25% · 3.875%
HK$21,772
−HK$577/mo
Today · 4.125%
HK$22,349
baseline
▲ 0.50% · 4.625%
HK$23,527
+HK$1,178/mo
Deposit HK$464K · loan HK$4.18M · min. income ≈ HK$44,698/mo (50% DSR)
Upfront cash ≈ HK$546K (deposit + AVD stamp duty HK$81,861 · 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).