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$10,481
−HK$658/mo
▼ 0.25% · 3.875%
HK$10,807
−HK$332/mo
Today · 4.125%
HK$11,139
baseline
▲ 0.50% · 4.625%
HK$11,816
+HK$677/mo
Deposit HK$2.30M · loan HK$2.30M · min. income ≈ HK$22,278/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$77,154 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,660
−HK$630/mo
▼ 0.25% · 3.875%
HK$11,973
−HK$317/mo
Today · 4.125%
HK$12,290
baseline
▲ 0.50% · 4.625%
HK$12,938
+HK$648/mo
Deposit HK$2.30M · loan HK$2.30M · min. income ≈ HK$24,580/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$77,154 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,578
−HK$788/mo
▼ 0.25% · 3.875%
HK$12,969
−HK$397/mo
Today · 4.125%
HK$13,366
baseline
▲ 0.50% · 4.625%
HK$14,180
+HK$814/mo
Deposit HK$1.84M · loan HK$2.76M · min. income ≈ HK$26,732/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$77,154 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,992
−HK$756/mo
▼ 0.25% · 3.875%
HK$14,368
−HK$380/mo
Today · 4.125%
HK$14,748
baseline
▲ 0.50% · 4.625%
HK$15,526
+HK$778/mo
Deposit HK$1.84M · loan HK$2.76M · min. income ≈ HK$29,496/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$77,154 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,674
−HK$920/mo
▼ 0.25% · 3.875%
HK$15,130
−HK$464/mo
Today · 4.125%
HK$15,594
baseline
▲ 0.50% · 4.625%
HK$16,543
+HK$949/mo
Deposit HK$1.38M · loan HK$3.22M · min. income ≈ HK$31,188/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$77,154 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,324
−HK$882/mo
▼ 0.25% · 3.875%
HK$16,762
−HK$444/mo
Today · 4.125%
HK$17,206
baseline
▲ 0.50% · 4.625%
HK$18,113
+HK$907/mo
Deposit HK$1.38M · loan HK$3.22M · min. income ≈ HK$34,412/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$77,154 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,866
−HK$1,183/mo
▼ 0.25% · 3.875%
HK$19,453
−HK$596/mo
Today · 4.125%
HK$20,049
baseline
▲ 0.50% · 4.625%
HK$21,269
+HK$1,220/mo
Deposit HK$460K · loan HK$4.14M · min. income ≈ HK$40,098/mo (50% DSR)
Upfront cash ≈ HK$537K (deposit + AVD stamp duty HK$77,154 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,989
−HK$1,134/mo
▼ 0.25% · 3.875%
HK$21,551
−HK$572/mo
Today · 4.125%
HK$22,123
baseline
▲ 0.50% · 4.625%
HK$23,289
+HK$1,166/mo
Deposit HK$460K · loan HK$4.14M · min. income ≈ HK$44,246/mo (50% DSR)
Upfront cash ≈ HK$537K (deposit + AVD stamp duty HK$77,154 · 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).