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$10,555
−HK$662/mo
▼ 0.25% · 3.875%
HK$10,883
−HK$334/mo
Today · 4.125%
HK$11,217
baseline
▲ 0.50% · 4.625%
HK$11,899
+HK$682/mo
Deposit HK$2.31M · loan HK$2.31M · min. income ≈ HK$22,434/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$80,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,742
−HK$635/mo
▼ 0.25% · 3.875%
HK$12,057
−HK$320/mo
Today · 4.125%
HK$12,377
baseline
▲ 0.50% · 4.625%
HK$13,029
+HK$652/mo
Deposit HK$2.31M · loan HK$2.31M · min. income ≈ HK$24,754/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$80,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,666
−HK$794/mo
▼ 0.25% · 3.875%
HK$13,060
−HK$400/mo
Today · 4.125%
HK$13,460
baseline
▲ 0.50% · 4.625%
HK$14,279
+HK$819/mo
Deposit HK$1.85M · loan HK$2.78M · min. income ≈ HK$26,920/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$80,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,091
−HK$761/mo
▼ 0.25% · 3.875%
HK$14,469
−HK$383/mo
Today · 4.125%
HK$14,852
baseline
▲ 0.50% · 4.625%
HK$15,635
+HK$783/mo
Deposit HK$1.85M · loan HK$2.78M · min. income ≈ HK$29,704/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$80,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,777
−HK$927/mo
▼ 0.25% · 3.875%
HK$15,237
−HK$467/mo
Today · 4.125%
HK$15,704
baseline
▲ 0.50% · 4.625%
HK$16,659
+HK$955/mo
Deposit HK$1.39M · loan HK$3.24M · min. income ≈ HK$31,408/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$80,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,439
−HK$888/mo
▼ 0.25% · 3.875%
HK$16,880
−HK$447/mo
Today · 4.125%
HK$17,327
baseline
▲ 0.50% · 4.625%
HK$18,241
+HK$914/mo
Deposit HK$1.39M · loan HK$3.24M · min. income ≈ HK$34,654/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$80,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,999
−HK$1,191/mo
▼ 0.25% · 3.875%
HK$19,590
−HK$600/mo
Today · 4.125%
HK$20,190
baseline
▲ 0.50% · 4.625%
HK$21,419
+HK$1,229/mo
Deposit HK$463K · loan HK$4.17M · min. income ≈ HK$40,380/mo (50% DSR)
Upfront cash ≈ HK$543K (deposit + AVD stamp duty HK$80,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,136
−HK$1,142/mo
▼ 0.25% · 3.875%
HK$21,703
−HK$575/mo
Today · 4.125%
HK$22,278
baseline
▲ 0.50% · 4.625%
HK$23,452
+HK$1,174/mo
Deposit HK$463K · loan HK$4.17M · min. income ≈ HK$44,556/mo (50% DSR)
Upfront cash ≈ HK$543K (deposit + AVD stamp duty HK$80,386 · 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).