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$10,601
−HK$665/mo
▼ 0.25% · 3.875%
HK$10,931
−HK$335/mo
Today · 4.125%
HK$11,266
baseline
▲ 0.50% · 4.625%
HK$11,952
+HK$686/mo
Deposit HK$2.32M · loan HK$2.32M · min. income ≈ HK$22,532/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$82,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,794
−HK$637/mo
▼ 0.25% · 3.875%
HK$12,110
−HK$321/mo
Today · 4.125%
HK$12,431
baseline
▲ 0.50% · 4.625%
HK$13,086
+HK$655/mo
Deposit HK$2.32M · loan HK$2.32M · min. income ≈ HK$24,862/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$82,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,722
−HK$797/mo
▼ 0.25% · 3.875%
HK$13,117
−HK$402/mo
Today · 4.125%
HK$13,519
baseline
▲ 0.50% · 4.625%
HK$14,342
+HK$823/mo
Deposit HK$1.86M · loan HK$2.79M · min. income ≈ HK$27,038/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$82,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,153
−HK$764/mo
▼ 0.25% · 3.875%
HK$14,532
−HK$385/mo
Today · 4.125%
HK$14,917
baseline
▲ 0.50% · 4.625%
HK$15,704
+HK$787/mo
Deposit HK$1.86M · loan HK$2.79M · min. income ≈ HK$29,834/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$82,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,842
−HK$931/mo
▼ 0.25% · 3.875%
HK$15,304
−HK$469/mo
Today · 4.125%
HK$15,773
baseline
▲ 0.50% · 4.625%
HK$16,732
+HK$959/mo
Deposit HK$1.39M · loan HK$3.25M · min. income ≈ HK$31,546/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$82,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,511
−HK$893/mo
▼ 0.25% · 3.875%
HK$16,954
−HK$450/mo
Today · 4.125%
HK$17,404
baseline
▲ 0.50% · 4.625%
HK$18,321
+HK$917/mo
Deposit HK$1.39M · loan HK$3.25M · min. income ≈ HK$34,808/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$82,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,082
−HK$1,197/mo
▼ 0.25% · 3.875%
HK$19,676
−HK$603/mo
Today · 4.125%
HK$20,279
baseline
▲ 0.50% · 4.625%
HK$21,513
+HK$1,234/mo
Deposit HK$465K · loan HK$4.18M · min. income ≈ HK$40,558/mo (50% DSR)
Upfront cash ≈ HK$547K (deposit + AVD stamp duty HK$82,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,229
−HK$1,147/mo
▼ 0.25% · 3.875%
HK$21,798
−HK$578/mo
Today · 4.125%
HK$22,376
baseline
▲ 0.50% · 4.625%
HK$23,555
+HK$1,179/mo
Deposit HK$465K · loan HK$4.18M · min. income ≈ HK$44,752/mo (50% DSR)
Upfront cash ≈ HK$547K (deposit + AVD stamp duty HK$82,420 · 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).