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$10,614
−HK$665/mo
▼ 0.25% · 3.875%
HK$10,944
−HK$335/mo
Today · 4.125%
HK$11,279
baseline
▲ 0.50% · 4.625%
HK$11,966
+HK$687/mo
Deposit HK$2.33M · loan HK$2.33M · min. income ≈ HK$22,558/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$82,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,808
−HK$637/mo
▼ 0.25% · 3.875%
HK$12,124
−HK$321/mo
Today · 4.125%
HK$12,445
baseline
▲ 0.50% · 4.625%
HK$13,102
+HK$657/mo
Deposit HK$2.33M · loan HK$2.33M · min. income ≈ HK$24,890/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$82,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,736
−HK$799/mo
▼ 0.25% · 3.875%
HK$13,133
−HK$402/mo
Today · 4.125%
HK$13,535
baseline
▲ 0.50% · 4.625%
HK$14,359
+HK$824/mo
Deposit HK$1.86M · loan HK$2.79M · min. income ≈ HK$27,070/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$82,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,169
−HK$766/mo
▼ 0.25% · 3.875%
HK$14,549
−HK$386/mo
Today · 4.125%
HK$14,935
baseline
▲ 0.50% · 4.625%
HK$15,722
+HK$787/mo
Deposit HK$1.86M · loan HK$2.79M · min. income ≈ HK$29,870/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$82,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,859
−HK$932/mo
▼ 0.25% · 3.875%
HK$15,321
−HK$470/mo
Today · 4.125%
HK$15,791
baseline
▲ 0.50% · 4.625%
HK$16,752
+HK$961/mo
Deposit HK$1.40M · loan HK$3.26M · min. income ≈ HK$31,582/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$82,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,531
−HK$893/mo
▼ 0.25% · 3.875%
HK$16,974
−HK$450/mo
Today · 4.125%
HK$17,424
baseline
▲ 0.50% · 4.625%
HK$18,342
+HK$918/mo
Deposit HK$1.40M · loan HK$3.26M · min. income ≈ HK$34,848/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$82,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,105
−HK$1,198/mo
▼ 0.25% · 3.875%
HK$19,699
−HK$604/mo
Today · 4.125%
HK$20,303
baseline
▲ 0.50% · 4.625%
HK$21,538
+HK$1,235/mo
Deposit HK$465K · loan HK$4.19M · min. income ≈ HK$40,606/mo (50% DSR)
Upfront cash ≈ HK$548K (deposit + AVD stamp duty HK$82,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,254
−HK$1,148/mo
▼ 0.25% · 3.875%
HK$21,824
−HK$578/mo
Today · 4.125%
HK$22,402
baseline
▲ 0.50% · 4.625%
HK$23,583
+HK$1,181/mo
Deposit HK$465K · loan HK$4.19M · min. income ≈ HK$44,804/mo (50% DSR)
Upfront cash ≈ HK$548K (deposit + AVD stamp duty HK$82,958 · 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).