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$10,549
−HK$662/mo
▼ 0.25% · 3.875%
HK$10,877
−HK$334/mo
Today · 4.125%
HK$11,211
baseline
▲ 0.50% · 4.625%
HK$11,893
+HK$682/mo
Deposit HK$2.31M · loan HK$2.31M · min. income ≈ HK$22,422/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$80,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,736
−HK$634/mo
▼ 0.25% · 3.875%
HK$12,051
−HK$319/mo
Today · 4.125%
HK$12,370
baseline
▲ 0.50% · 4.625%
HK$13,022
+HK$652/mo
Deposit HK$2.31M · loan HK$2.31M · min. income ≈ HK$24,740/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$80,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,659
−HK$794/mo
▼ 0.25% · 3.875%
HK$13,053
−HK$400/mo
Today · 4.125%
HK$13,453
baseline
▲ 0.50% · 4.625%
HK$14,272
+HK$819/mo
Deposit HK$1.85M · loan HK$2.78M · min. income ≈ HK$26,906/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$80,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,083
−HK$761/mo
▼ 0.25% · 3.875%
HK$14,461
−HK$383/mo
Today · 4.125%
HK$14,844
baseline
▲ 0.50% · 4.625%
HK$15,627
+HK$783/mo
Deposit HK$1.85M · loan HK$2.78M · min. income ≈ HK$29,688/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$80,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,769
−HK$926/mo
▼ 0.25% · 3.875%
HK$15,228
−HK$467/mo
Today · 4.125%
HK$15,695
baseline
▲ 0.50% · 4.625%
HK$16,650
+HK$955/mo
Deposit HK$1.39M · loan HK$3.24M · min. income ≈ HK$31,390/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$80,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,430
−HK$888/mo
▼ 0.25% · 3.875%
HK$16,871
−HK$447/mo
Today · 4.125%
HK$17,318
baseline
▲ 0.50% · 4.625%
HK$18,231
+HK$913/mo
Deposit HK$1.39M · loan HK$3.24M · min. income ≈ HK$34,636/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$80,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,989
−HK$1,191/mo
▼ 0.25% · 3.875%
HK$19,579
−HK$601/mo
Today · 4.125%
HK$20,180
baseline
▲ 0.50% · 4.625%
HK$21,407
+HK$1,227/mo
Deposit HK$463K · loan HK$4.16M · min. income ≈ HK$40,360/mo (50% DSR)
Upfront cash ≈ HK$543K (deposit + AVD stamp duty HK$80,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,125
−HK$1,141/mo
▼ 0.25% · 3.875%
HK$21,691
−HK$575/mo
Today · 4.125%
HK$22,266
baseline
▲ 0.50% · 4.625%
HK$23,440
+HK$1,174/mo
Deposit HK$463K · loan HK$4.16M · min. income ≈ HK$44,532/mo (50% DSR)
Upfront cash ≈ HK$543K (deposit + AVD stamp duty HK$80,138 · 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).