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$10,549
−HK$661/mo
▼ 0.25% · 3.875%
HK$10,877
−HK$333/mo
Today · 4.125%
HK$11,210
baseline
▲ 0.50% · 4.625%
HK$11,892
+HK$682/mo
Deposit HK$2.31M · loan HK$2.31M · min. income ≈ HK$22,420/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$80,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,735
−HK$634/mo
▼ 0.25% · 3.875%
HK$12,050
−HK$319/mo
Today · 4.125%
HK$12,369
baseline
▲ 0.50% · 4.625%
HK$13,021
+HK$652/mo
Deposit HK$2.31M · loan HK$2.31M · min. income ≈ HK$24,738/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$80,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,659
−HK$793/mo
▼ 0.25% · 3.875%
HK$13,052
−HK$400/mo
Today · 4.125%
HK$13,452
baseline
▲ 0.50% · 4.625%
HK$14,271
+HK$819/mo
Deposit HK$1.85M · loan HK$2.78M · min. income ≈ HK$26,904/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$80,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,083
−HK$760/mo
▼ 0.25% · 3.875%
HK$14,460
−HK$383/mo
Today · 4.125%
HK$14,843
baseline
▲ 0.50% · 4.625%
HK$15,626
+HK$783/mo
Deposit HK$1.85M · loan HK$2.78M · min. income ≈ HK$29,686/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$80,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,768
−HK$926/mo
▼ 0.25% · 3.875%
HK$15,228
−HK$466/mo
Today · 4.125%
HK$15,694
baseline
▲ 0.50% · 4.625%
HK$16,649
+HK$955/mo
Deposit HK$1.39M · loan HK$3.24M · min. income ≈ HK$31,388/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$80,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,430
−HK$887/mo
▼ 0.25% · 3.875%
HK$16,870
−HK$447/mo
Today · 4.125%
HK$17,317
baseline
▲ 0.50% · 4.625%
HK$18,230
+HK$913/mo
Deposit HK$1.39M · loan HK$3.24M · min. income ≈ HK$34,634/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$80,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,988
−HK$1,191/mo
▼ 0.25% · 3.875%
HK$19,578
−HK$601/mo
Today · 4.125%
HK$20,179
baseline
▲ 0.50% · 4.625%
HK$21,406
+HK$1,227/mo
Deposit HK$463K · loan HK$4.16M · min. income ≈ HK$40,358/mo (50% DSR)
Upfront cash ≈ HK$543K (deposit + AVD stamp duty HK$80,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,124
−HK$1,141/mo
▼ 0.25% · 3.875%
HK$21,690
−HK$575/mo
Today · 4.125%
HK$22,265
baseline
▲ 0.50% · 4.625%
HK$23,439
+HK$1,174/mo
Deposit HK$463K · loan HK$4.16M · min. income ≈ HK$44,530/mo (50% DSR)
Upfront cash ≈ HK$543K (deposit + AVD stamp duty HK$80,115 · 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).