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$10,528
−HK$660/mo
▼ 0.25% · 3.875%
HK$10,855
−HK$333/mo
Today · 4.125%
HK$11,188
baseline
▲ 0.50% · 4.625%
HK$11,869
+HK$681/mo
Deposit HK$2.31M · loan HK$2.31M · min. income ≈ HK$22,376/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$79,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,712
−HK$633/mo
▼ 0.25% · 3.875%
HK$12,026
−HK$319/mo
Today · 4.125%
HK$12,345
baseline
▲ 0.50% · 4.625%
HK$12,995
+HK$650/mo
Deposit HK$2.31M · loan HK$2.31M · min. income ≈ HK$24,690/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$79,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,633
−HK$792/mo
▼ 0.25% · 3.875%
HK$13,026
−HK$399/mo
Today · 4.125%
HK$13,425
baseline
▲ 0.50% · 4.625%
HK$14,242
+HK$817/mo
Deposit HK$1.85M · loan HK$2.77M · min. income ≈ HK$26,850/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$79,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,054
−HK$760/mo
▼ 0.25% · 3.875%
HK$14,431
−HK$383/mo
Today · 4.125%
HK$14,814
baseline
▲ 0.50% · 4.625%
HK$15,595
+HK$781/mo
Deposit HK$1.85M · loan HK$2.77M · min. income ≈ HK$29,628/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$79,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,739
−HK$924/mo
▼ 0.25% · 3.875%
HK$15,197
−HK$466/mo
Today · 4.125%
HK$15,663
baseline
▲ 0.50% · 4.625%
HK$16,616
+HK$953/mo
Deposit HK$1.39M · loan HK$3.23M · min. income ≈ HK$31,326/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$79,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,397
−HK$886/mo
▼ 0.25% · 3.875%
HK$16,837
−HK$446/mo
Today · 4.125%
HK$17,283
baseline
▲ 0.50% · 4.625%
HK$18,194
+HK$911/mo
Deposit HK$1.39M · loan HK$3.23M · min. income ≈ HK$34,566/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$79,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,950
−HK$1,188/mo
▼ 0.25% · 3.875%
HK$19,539
−HK$599/mo
Today · 4.125%
HK$20,138
baseline
▲ 0.50% · 4.625%
HK$21,364
+HK$1,226/mo
Deposit HK$462K · loan HK$4.16M · min. income ≈ HK$40,276/mo (50% DSR)
Upfront cash ≈ HK$541K (deposit + AVD stamp duty HK$79,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,082
−HK$1,139/mo
▼ 0.25% · 3.875%
HK$21,647
−HK$574/mo
Today · 4.125%
HK$22,221
baseline
▲ 0.50% · 4.625%
HK$23,392
+HK$1,171/mo
Deposit HK$462K · loan HK$4.16M · min. income ≈ HK$44,442/mo (50% DSR)
Upfront cash ≈ HK$541K (deposit + AVD stamp duty HK$79,190 · 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).