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$10,526
−HK$660/mo
▼ 0.25% · 3.875%
HK$10,854
−HK$332/mo
Today · 4.125%
HK$11,186
baseline
▲ 0.50% · 4.625%
HK$11,867
+HK$681/mo
Deposit HK$2.31M · loan HK$2.31M · min. income ≈ HK$22,372/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$79,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,710
−HK$633/mo
▼ 0.25% · 3.875%
HK$12,024
−HK$319/mo
Today · 4.125%
HK$12,343
baseline
▲ 0.50% · 4.625%
HK$12,994
+HK$651/mo
Deposit HK$2.31M · loan HK$2.31M · min. income ≈ HK$24,686/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$79,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,631
−HK$793/mo
▼ 0.25% · 3.875%
HK$13,024
−HK$400/mo
Today · 4.125%
HK$13,424
baseline
▲ 0.50% · 4.625%
HK$14,240
+HK$816/mo
Deposit HK$1.85M · loan HK$2.77M · min. income ≈ HK$26,848/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$79,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,052
−HK$760/mo
▼ 0.25% · 3.875%
HK$14,429
−HK$383/mo
Today · 4.125%
HK$14,812
baseline
▲ 0.50% · 4.625%
HK$15,592
+HK$780/mo
Deposit HK$1.85M · loan HK$2.77M · min. income ≈ HK$29,624/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$79,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,737
−HK$924/mo
▼ 0.25% · 3.875%
HK$15,195
−HK$466/mo
Today · 4.125%
HK$15,661
baseline
▲ 0.50% · 4.625%
HK$16,614
+HK$953/mo
Deposit HK$1.38M · loan HK$3.23M · min. income ≈ HK$31,322/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$79,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,394
−HK$886/mo
▼ 0.25% · 3.875%
HK$16,834
−HK$446/mo
Today · 4.125%
HK$17,280
baseline
▲ 0.50% · 4.625%
HK$18,191
+HK$911/mo
Deposit HK$1.38M · loan HK$3.23M · min. income ≈ HK$34,560/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$79,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,947
−HK$1,188/mo
▼ 0.25% · 3.875%
HK$19,537
−HK$598/mo
Today · 4.125%
HK$20,135
baseline
▲ 0.50% · 4.625%
HK$21,360
+HK$1,225/mo
Deposit HK$462K · loan HK$4.15M · min. income ≈ HK$40,270/mo (50% DSR)
Upfront cash ≈ HK$541K (deposit + AVD stamp duty HK$79,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,079
−HK$1,138/mo
▼ 0.25% · 3.875%
HK$21,644
−HK$573/mo
Today · 4.125%
HK$22,217
baseline
▲ 0.50% · 4.625%
HK$23,388
+HK$1,171/mo
Deposit HK$462K · loan HK$4.15M · min. income ≈ HK$44,434/mo (50% DSR)
Upfront cash ≈ HK$541K (deposit + AVD stamp duty HK$79,124 · 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).