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$10,583
−HK$663/mo
▼ 0.25% · 3.875%
HK$10,912
−HK$334/mo
Today · 4.125%
HK$11,246
baseline
▲ 0.50% · 4.625%
HK$11,931
+HK$685/mo
Deposit HK$2.32M · loan HK$2.32M · min. income ≈ HK$22,492/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$81,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,773
−HK$636/mo
▼ 0.25% · 3.875%
HK$12,089
−HK$320/mo
Today · 4.125%
HK$12,409
baseline
▲ 0.50% · 4.625%
HK$13,063
+HK$654/mo
Deposit HK$2.32M · loan HK$2.32M · min. income ≈ HK$24,818/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$81,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,699
−HK$797/mo
▼ 0.25% · 3.875%
HK$13,094
−HK$402/mo
Today · 4.125%
HK$13,496
baseline
▲ 0.50% · 4.625%
HK$14,317
+HK$821/mo
Deposit HK$1.86M · loan HK$2.78M · min. income ≈ HK$26,992/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$81,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,128
−HK$763/mo
▼ 0.25% · 3.875%
HK$14,507
−HK$384/mo
Today · 4.125%
HK$14,891
baseline
▲ 0.50% · 4.625%
HK$15,676
+HK$785/mo
Deposit HK$1.86M · loan HK$2.78M · min. income ≈ HK$29,782/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$81,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,816
−HK$929/mo
▼ 0.25% · 3.875%
HK$15,277
−HK$468/mo
Today · 4.125%
HK$15,745
baseline
▲ 0.50% · 4.625%
HK$16,703
+HK$958/mo
Deposit HK$1.39M · loan HK$3.25M · min. income ≈ HK$31,490/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$81,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,483
−HK$890/mo
▼ 0.25% · 3.875%
HK$16,925
−HK$448/mo
Today · 4.125%
HK$17,373
baseline
▲ 0.50% · 4.625%
HK$18,289
+HK$916/mo
Deposit HK$1.39M · loan HK$3.25M · min. income ≈ HK$34,746/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$81,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,049
−HK$1,195/mo
▼ 0.25% · 3.875%
HK$19,642
−HK$602/mo
Today · 4.125%
HK$20,244
baseline
▲ 0.50% · 4.625%
HK$21,475
+HK$1,231/mo
Deposit HK$464K · loan HK$4.18M · min. income ≈ HK$40,488/mo (50% DSR)
Upfront cash ≈ HK$546K (deposit + AVD stamp duty HK$81,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,192
−HK$1,145/mo
▼ 0.25% · 3.875%
HK$21,760
−HK$577/mo
Today · 4.125%
HK$22,337
baseline
▲ 0.50% · 4.625%
HK$23,514
+HK$1,177/mo
Deposit HK$464K · loan HK$4.18M · min. income ≈ HK$44,674/mo (50% DSR)
Upfront cash ≈ HK$546K (deposit + AVD stamp duty HK$81,607 · 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).