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$10,637
−HK$667/mo
▼ 0.25% · 3.875%
HK$10,968
−HK$336/mo
Today · 4.125%
HK$11,304
baseline
▲ 0.50% · 4.625%
HK$11,992
+HK$688/mo
Deposit HK$2.33M · loan HK$2.33M · min. income ≈ HK$22,608/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$83,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,834
−HK$639/mo
▼ 0.25% · 3.875%
HK$12,151
−HK$322/mo
Today · 4.125%
HK$12,473
baseline
▲ 0.50% · 4.625%
HK$13,130
+HK$657/mo
Deposit HK$2.33M · loan HK$2.33M · min. income ≈ HK$24,946/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$83,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,764
−HK$801/mo
▼ 0.25% · 3.875%
HK$13,161
−HK$404/mo
Today · 4.125%
HK$13,565
baseline
▲ 0.50% · 4.625%
HK$14,390
+HK$825/mo
Deposit HK$1.87M · loan HK$2.80M · min. income ≈ HK$27,130/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$83,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,200
−HK$768/mo
▼ 0.25% · 3.875%
HK$14,581
−HK$387/mo
Today · 4.125%
HK$14,968
baseline
▲ 0.50% · 4.625%
HK$15,756
+HK$788/mo
Deposit HK$1.87M · loan HK$2.80M · min. income ≈ HK$29,936/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$83,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,892
−HK$934/mo
▼ 0.25% · 3.875%
HK$15,355
−HK$471/mo
Today · 4.125%
HK$15,826
baseline
▲ 0.50% · 4.625%
HK$16,789
+HK$963/mo
Deposit HK$1.40M · loan HK$3.27M · min. income ≈ HK$31,652/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$83,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,567
−HK$895/mo
▼ 0.25% · 3.875%
HK$17,011
−HK$451/mo
Today · 4.125%
HK$17,462
baseline
▲ 0.50% · 4.625%
HK$18,383
+HK$921/mo
Deposit HK$1.40M · loan HK$3.27M · min. income ≈ HK$34,924/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$83,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,147
−HK$1,200/mo
▼ 0.25% · 3.875%
HK$19,742
−HK$605/mo
Today · 4.125%
HK$20,347
baseline
▲ 0.50% · 4.625%
HK$21,585
+HK$1,238/mo
Deposit HK$466K · loan HK$4.20M · min. income ≈ HK$40,694/mo (50% DSR)
Upfront cash ≈ HK$550K (deposit + AVD stamp duty HK$83,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,300
−HK$1,151/mo
▼ 0.25% · 3.875%
HK$21,872
−HK$579/mo
Today · 4.125%
HK$22,451
baseline
▲ 0.50% · 4.625%
HK$23,635
+HK$1,184/mo
Deposit HK$466K · loan HK$4.20M · min. income ≈ HK$44,902/mo (50% DSR)
Upfront cash ≈ HK$550K (deposit + AVD stamp duty HK$83,985 · 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).