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$10,606
−HK$666/mo
▼ 0.25% · 3.875%
HK$10,936
−HK$336/mo
Today · 4.125%
HK$11,272
baseline
▲ 0.50% · 4.625%
HK$11,957
+HK$685/mo
Deposit HK$2.33M · loan HK$2.33M · min. income ≈ HK$22,544/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$82,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,800
−HK$637/mo
▼ 0.25% · 3.875%
HK$12,116
−HK$321/mo
Today · 4.125%
HK$12,437
baseline
▲ 0.50% · 4.625%
HK$13,093
+HK$656/mo
Deposit HK$2.33M · loan HK$2.33M · min. income ≈ HK$24,874/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$82,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,728
−HK$798/mo
▼ 0.25% · 3.875%
HK$13,124
−HK$402/mo
Today · 4.125%
HK$13,526
baseline
▲ 0.50% · 4.625%
HK$14,349
+HK$823/mo
Deposit HK$1.86M · loan HK$2.79M · min. income ≈ HK$27,052/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$82,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,159
−HK$765/mo
▼ 0.25% · 3.875%
HK$14,539
−HK$385/mo
Today · 4.125%
HK$14,924
baseline
▲ 0.50% · 4.625%
HK$15,711
+HK$787/mo
Deposit HK$1.86M · loan HK$2.79M · min. income ≈ HK$29,848/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$82,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,849
−HK$931/mo
▼ 0.25% · 3.875%
HK$15,311
−HK$469/mo
Today · 4.125%
HK$15,780
baseline
▲ 0.50% · 4.625%
HK$16,740
+HK$960/mo
Deposit HK$1.40M · loan HK$3.26M · min. income ≈ HK$31,560/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$82,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,519
−HK$893/mo
▼ 0.25% · 3.875%
HK$16,962
−HK$450/mo
Today · 4.125%
HK$17,412
baseline
▲ 0.50% · 4.625%
HK$18,330
+HK$918/mo
Deposit HK$1.40M · loan HK$3.26M · min. income ≈ HK$34,824/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$82,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,092
−HK$1,197/mo
▼ 0.25% · 3.875%
HK$19,685
−HK$604/mo
Today · 4.125%
HK$20,289
baseline
▲ 0.50% · 4.625%
HK$21,523
+HK$1,234/mo
Deposit HK$465K · loan HK$4.19M · min. income ≈ HK$40,578/mo (50% DSR)
Upfront cash ≈ HK$548K (deposit + AVD stamp duty HK$82,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,239
−HK$1,148/mo
▼ 0.25% · 3.875%
HK$21,809
−HK$578/mo
Today · 4.125%
HK$22,387
baseline
▲ 0.50% · 4.625%
HK$23,567
+HK$1,180/mo
Deposit HK$465K · loan HK$4.19M · min. income ≈ HK$44,774/mo (50% DSR)
Upfront cash ≈ HK$548K (deposit + AVD stamp duty HK$82,642 · 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).