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$10,635
−HK$667/mo
▼ 0.25% · 3.875%
HK$10,966
−HK$336/mo
Today · 4.125%
HK$11,302
baseline
▲ 0.50% · 4.625%
HK$11,990
+HK$688/mo
Deposit HK$2.33M · loan HK$2.33M · min. income ≈ HK$22,604/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$83,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,832
−HK$639/mo
▼ 0.25% · 3.875%
HK$12,149
−HK$322/mo
Today · 4.125%
HK$12,471
baseline
▲ 0.50% · 4.625%
HK$13,128
+HK$657/mo
Deposit HK$2.33M · loan HK$2.33M · min. income ≈ HK$24,942/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$83,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,762
−HK$801/mo
▼ 0.25% · 3.875%
HK$13,159
−HK$404/mo
Today · 4.125%
HK$13,563
baseline
▲ 0.50% · 4.625%
HK$14,388
+HK$825/mo
Deposit HK$1.87M · loan HK$2.80M · min. income ≈ HK$27,126/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$83,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,198
−HK$767/mo
▼ 0.25% · 3.875%
HK$14,579
−HK$386/mo
Today · 4.125%
HK$14,965
baseline
▲ 0.50% · 4.625%
HK$15,754
+HK$789/mo
Deposit HK$1.87M · loan HK$2.80M · min. income ≈ HK$29,930/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$83,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,889
−HK$934/mo
▼ 0.25% · 3.875%
HK$15,353
−HK$470/mo
Today · 4.125%
HK$15,823
baseline
▲ 0.50% · 4.625%
HK$16,786
+HK$963/mo
Deposit HK$1.40M · loan HK$3.26M · min. income ≈ HK$31,646/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$83,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,564
−HK$895/mo
▼ 0.25% · 3.875%
HK$17,009
−HK$450/mo
Today · 4.125%
HK$17,459
baseline
▲ 0.50% · 4.625%
HK$18,380
+HK$921/mo
Deposit HK$1.40M · loan HK$3.26M · min. income ≈ HK$34,918/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$83,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,144
−HK$1,200/mo
▼ 0.25% · 3.875%
HK$19,739
−HK$605/mo
Today · 4.125%
HK$20,344
baseline
▲ 0.50% · 4.625%
HK$21,582
+HK$1,238/mo
Deposit HK$466K · loan HK$4.20M · min. income ≈ HK$40,688/mo (50% DSR)
Upfront cash ≈ HK$550K (deposit + AVD stamp duty HK$83,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,297
−HK$1,151/mo
▼ 0.25% · 3.875%
HK$21,868
−HK$580/mo
Today · 4.125%
HK$22,448
baseline
▲ 0.50% · 4.625%
HK$23,631
+HK$1,183/mo
Deposit HK$466K · loan HK$4.20M · min. income ≈ HK$44,896/mo (50% DSR)
Upfront cash ≈ HK$550K (deposit + AVD stamp duty HK$83,910 · 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).