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$10,485
−HK$658/mo
▼ 0.25% · 3.875%
HK$10,812
−HK$331/mo
Today · 4.125%
HK$11,143
baseline
▲ 0.50% · 4.625%
HK$11,821
+HK$678/mo
Deposit HK$2.30M · loan HK$2.30M · min. income ≈ HK$22,286/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$77,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,665
−HK$630/mo
▼ 0.25% · 3.875%
HK$11,978
−HK$317/mo
Today · 4.125%
HK$12,295
baseline
▲ 0.50% · 4.625%
HK$12,943
+HK$648/mo
Deposit HK$2.30M · loan HK$2.30M · min. income ≈ HK$24,590/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$77,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,583
−HK$789/mo
▼ 0.25% · 3.875%
HK$12,974
−HK$398/mo
Today · 4.125%
HK$13,372
baseline
▲ 0.50% · 4.625%
HK$14,185
+HK$813/mo
Deposit HK$1.84M · loan HK$2.76M · min. income ≈ HK$26,744/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$77,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,998
−HK$756/mo
▼ 0.25% · 3.875%
HK$14,373
−HK$381/mo
Today · 4.125%
HK$14,754
baseline
▲ 0.50% · 4.625%
HK$15,532
+HK$778/mo
Deposit HK$1.84M · loan HK$2.76M · min. income ≈ HK$29,508/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$77,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,680
−HK$920/mo
▼ 0.25% · 3.875%
HK$15,136
−HK$464/mo
Today · 4.125%
HK$15,600
baseline
▲ 0.50% · 4.625%
HK$16,549
+HK$949/mo
Deposit HK$1.38M · loan HK$3.22M · min. income ≈ HK$31,200/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$77,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,331
−HK$882/mo
▼ 0.25% · 3.875%
HK$16,769
−HK$444/mo
Today · 4.125%
HK$17,213
baseline
▲ 0.50% · 4.625%
HK$18,121
+HK$908/mo
Deposit HK$1.38M · loan HK$3.22M · min. income ≈ HK$34,426/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$77,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,874
−HK$1,183/mo
▼ 0.25% · 3.875%
HK$19,461
−HK$596/mo
Today · 4.125%
HK$20,057
baseline
▲ 0.50% · 4.625%
HK$21,278
+HK$1,221/mo
Deposit HK$460K · loan HK$4.14M · min. income ≈ HK$40,114/mo (50% DSR)
Upfront cash ≈ HK$537K (deposit + AVD stamp duty HK$77,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,997
−HK$1,134/mo
▼ 0.25% · 3.875%
HK$21,560
−HK$571/mo
Today · 4.125%
HK$22,131
baseline
▲ 0.50% · 4.625%
HK$23,298
+HK$1,167/mo
Deposit HK$460K · loan HK$4.14M · min. income ≈ HK$44,262/mo (50% DSR)
Upfront cash ≈ HK$537K (deposit + AVD stamp duty HK$77,337 · 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).