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$10,495
−HK$658/mo
▼ 0.25% · 3.875%
HK$10,822
−HK$331/mo
Today · 4.125%
HK$11,153
baseline
▲ 0.50% · 4.625%
HK$11,832
+HK$679/mo
Deposit HK$2.30M · loan HK$2.30M · min. income ≈ HK$22,306/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$77,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,676
−HK$630/mo
▼ 0.25% · 3.875%
HK$11,989
−HK$317/mo
Today · 4.125%
HK$12,306
baseline
▲ 0.50% · 4.625%
HK$12,955
+HK$649/mo
Deposit HK$2.30M · loan HK$2.30M · min. income ≈ HK$24,612/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$77,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,594
−HK$790/mo
▼ 0.25% · 3.875%
HK$12,986
−HK$398/mo
Today · 4.125%
HK$13,384
baseline
▲ 0.50% · 4.625%
HK$14,198
+HK$814/mo
Deposit HK$1.84M · loan HK$2.76M · min. income ≈ HK$26,768/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$77,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,011
−HK$757/mo
▼ 0.25% · 3.875%
HK$14,387
−HK$381/mo
Today · 4.125%
HK$14,768
baseline
▲ 0.50% · 4.625%
HK$15,546
+HK$778/mo
Deposit HK$1.84M · loan HK$2.76M · min. income ≈ HK$29,536/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$77,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,693
−HK$921/mo
▼ 0.25% · 3.875%
HK$15,150
−HK$464/mo
Today · 4.125%
HK$15,614
baseline
▲ 0.50% · 4.625%
HK$16,565
+HK$951/mo
Deposit HK$1.38M · loan HK$3.22M · min. income ≈ HK$31,228/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$77,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,346
−HK$883/mo
▼ 0.25% · 3.875%
HK$16,784
−HK$445/mo
Today · 4.125%
HK$17,229
baseline
▲ 0.50% · 4.625%
HK$18,137
+HK$908/mo
Deposit HK$1.38M · loan HK$3.22M · min. income ≈ HK$34,458/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$77,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,891
−HK$1,185/mo
▼ 0.25% · 3.875%
HK$19,479
−HK$597/mo
Today · 4.125%
HK$20,076
baseline
▲ 0.50% · 4.625%
HK$21,297
+HK$1,221/mo
Deposit HK$460K · loan HK$4.14M · min. income ≈ HK$40,152/mo (50% DSR)
Upfront cash ≈ HK$538K (deposit + AVD stamp duty HK$77,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,016
−HK$1,136/mo
▼ 0.25% · 3.875%
HK$21,580
−HK$572/mo
Today · 4.125%
HK$22,152
baseline
▲ 0.50% · 4.625%
HK$23,319
+HK$1,167/mo
Deposit HK$460K · loan HK$4.14M · min. income ≈ HK$44,304/mo (50% DSR)
Upfront cash ≈ HK$538K (deposit + AVD stamp duty HK$77,759 · 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).