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$10,530
−HK$660/mo
▼ 0.25% · 3.875%
HK$10,857
−HK$333/mo
Today · 4.125%
HK$11,190
baseline
▲ 0.50% · 4.625%
HK$11,871
+HK$681/mo
Deposit HK$2.31M · loan HK$2.31M · min. income ≈ HK$22,380/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$79,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,714
−HK$633/mo
▼ 0.25% · 3.875%
HK$12,029
−HK$318/mo
Today · 4.125%
HK$12,347
baseline
▲ 0.50% · 4.625%
HK$12,998
+HK$651/mo
Deposit HK$2.31M · loan HK$2.31M · min. income ≈ HK$24,694/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$79,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,636
−HK$792/mo
▼ 0.25% · 3.875%
HK$13,029
−HK$399/mo
Today · 4.125%
HK$13,428
baseline
▲ 0.50% · 4.625%
HK$14,245
+HK$817/mo
Deposit HK$1.85M · loan HK$2.77M · min. income ≈ HK$26,856/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$79,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,057
−HK$760/mo
▼ 0.25% · 3.875%
HK$14,434
−HK$383/mo
Today · 4.125%
HK$14,817
baseline
▲ 0.50% · 4.625%
HK$15,598
+HK$781/mo
Deposit HK$1.85M · loan HK$2.77M · min. income ≈ HK$29,634/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$79,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,742
−HK$924/mo
▼ 0.25% · 3.875%
HK$15,200
−HK$466/mo
Today · 4.125%
HK$15,666
baseline
▲ 0.50% · 4.625%
HK$16,620
+HK$954/mo
Deposit HK$1.39M · loan HK$3.23M · min. income ≈ HK$31,332/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$79,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,400
−HK$886/mo
▼ 0.25% · 3.875%
HK$16,840
−HK$446/mo
Today · 4.125%
HK$17,286
baseline
▲ 0.50% · 4.625%
HK$18,197
+HK$911/mo
Deposit HK$1.39M · loan HK$3.23M · min. income ≈ HK$34,572/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$79,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,954
−HK$1,188/mo
▼ 0.25% · 3.875%
HK$19,543
−HK$599/mo
Today · 4.125%
HK$20,142
baseline
▲ 0.50% · 4.625%
HK$21,368
+HK$1,226/mo
Deposit HK$462K · loan HK$4.16M · min. income ≈ HK$40,284/mo (50% DSR)
Upfront cash ≈ HK$541K (deposit + AVD stamp duty HK$79,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,086
−HK$1,139/mo
▼ 0.25% · 3.875%
HK$21,652
−HK$573/mo
Today · 4.125%
HK$22,225
baseline
▲ 0.50% · 4.625%
HK$23,397
+HK$1,172/mo
Deposit HK$462K · loan HK$4.16M · min. income ≈ HK$44,450/mo (50% DSR)
Upfront cash ≈ HK$541K (deposit + AVD stamp duty HK$79,288 · 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).