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$10,618
−HK$666/mo
▼ 0.25% · 3.875%
HK$10,948
−HK$336/mo
Today · 4.125%
HK$11,284
baseline
▲ 0.50% · 4.625%
HK$11,970
+HK$686/mo
Deposit HK$2.33M · loan HK$2.33M · min. income ≈ HK$22,568/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$83,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,812
−HK$638/mo
▼ 0.25% · 3.875%
HK$12,129
−HK$321/mo
Today · 4.125%
HK$12,450
baseline
▲ 0.50% · 4.625%
HK$13,107
+HK$657/mo
Deposit HK$2.33M · loan HK$2.33M · min. income ≈ HK$24,900/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$83,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,741
−HK$799/mo
▼ 0.25% · 3.875%
HK$13,138
−HK$402/mo
Today · 4.125%
HK$13,540
baseline
▲ 0.50% · 4.625%
HK$14,364
+HK$824/mo
Deposit HK$1.86M · loan HK$2.79M · min. income ≈ HK$27,080/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$83,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,175
−HK$765/mo
▼ 0.25% · 3.875%
HK$14,555
−HK$385/mo
Today · 4.125%
HK$14,940
baseline
▲ 0.50% · 4.625%
HK$15,728
+HK$788/mo
Deposit HK$1.86M · loan HK$2.79M · min. income ≈ HK$29,880/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$83,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,865
−HK$932/mo
▼ 0.25% · 3.875%
HK$15,327
−HK$470/mo
Today · 4.125%
HK$15,797
baseline
▲ 0.50% · 4.625%
HK$16,758
+HK$961/mo
Deposit HK$1.40M · loan HK$3.26M · min. income ≈ HK$31,594/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$83,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,537
−HK$893/mo
▼ 0.25% · 3.875%
HK$16,981
−HK$449/mo
Today · 4.125%
HK$17,430
baseline
▲ 0.50% · 4.625%
HK$18,349
+HK$919/mo
Deposit HK$1.40M · loan HK$3.26M · min. income ≈ HK$34,860/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$83,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,112
−HK$1,198/mo
▼ 0.25% · 3.875%
HK$19,706
−HK$604/mo
Today · 4.125%
HK$20,310
baseline
▲ 0.50% · 4.625%
HK$21,546
+HK$1,236/mo
Deposit HK$466K · loan HK$4.19M · min. income ≈ HK$40,620/mo (50% DSR)
Upfront cash ≈ HK$549K (deposit + AVD stamp duty HK$83,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,262
−HK$1,149/mo
▼ 0.25% · 3.875%
HK$21,832
−HK$579/mo
Today · 4.125%
HK$22,411
baseline
▲ 0.50% · 4.625%
HK$23,592
+HK$1,181/mo
Deposit HK$466K · loan HK$4.19M · min. income ≈ HK$44,822/mo (50% DSR)
Upfront cash ≈ HK$549K (deposit + AVD stamp duty HK$83,139 · 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).