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$10,590
−HK$664/mo
▼ 0.25% · 3.875%
HK$10,919
−HK$335/mo
Today · 4.125%
HK$11,254
baseline
▲ 0.50% · 4.625%
HK$11,939
+HK$685/mo
Deposit HK$2.32M · loan HK$2.32M · min. income ≈ HK$22,508/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$81,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,781
−HK$637/mo
▼ 0.25% · 3.875%
HK$12,097
−HK$321/mo
Today · 4.125%
HK$12,418
baseline
▲ 0.50% · 4.625%
HK$13,072
+HK$654/mo
Deposit HK$2.32M · loan HK$2.32M · min. income ≈ HK$24,836/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$81,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,708
−HK$797/mo
▼ 0.25% · 3.875%
HK$13,103
−HK$402/mo
Today · 4.125%
HK$13,505
baseline
▲ 0.50% · 4.625%
HK$14,326
+HK$821/mo
Deposit HK$1.86M · loan HK$2.79M · min. income ≈ HK$27,010/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$81,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,137
−HK$764/mo
▼ 0.25% · 3.875%
HK$14,516
−HK$385/mo
Today · 4.125%
HK$14,901
baseline
▲ 0.50% · 4.625%
HK$15,687
+HK$786/mo
Deposit HK$1.86M · loan HK$2.79M · min. income ≈ HK$29,802/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$81,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,826
−HK$929/mo
▼ 0.25% · 3.875%
HK$15,287
−HK$468/mo
Today · 4.125%
HK$15,755
baseline
▲ 0.50% · 4.625%
HK$16,714
+HK$959/mo
Deposit HK$1.39M · loan HK$3.25M · min. income ≈ HK$31,510/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$81,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,494
−HK$891/mo
▼ 0.25% · 3.875%
HK$16,936
−HK$449/mo
Today · 4.125%
HK$17,385
baseline
▲ 0.50% · 4.625%
HK$18,301
+HK$916/mo
Deposit HK$1.39M · loan HK$3.25M · min. income ≈ HK$34,770/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$81,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,062
−HK$1,195/mo
▼ 0.25% · 3.875%
HK$19,655
−HK$602/mo
Today · 4.125%
HK$20,257
baseline
▲ 0.50% · 4.625%
HK$21,490
+HK$1,233/mo
Deposit HK$464K · loan HK$4.18M · min. income ≈ HK$40,514/mo (50% DSR)
Upfront cash ≈ HK$546K (deposit + AVD stamp duty HK$81,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,206
−HK$1,146/mo
▼ 0.25% · 3.875%
HK$21,775
−HK$577/mo
Today · 4.125%
HK$22,352
baseline
▲ 0.50% · 4.625%
HK$23,530
+HK$1,178/mo
Deposit HK$464K · loan HK$4.18M · min. income ≈ HK$44,704/mo (50% DSR)
Upfront cash ≈ HK$546K (deposit + AVD stamp duty HK$81,915 · 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).