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$10,618
−HK$666/mo
▼ 0.25% · 3.875%
HK$10,948
−HK$336/mo
Today · 4.125%
HK$11,284
baseline
▲ 0.50% · 4.625%
HK$11,970
+HK$686/mo
Deposit HK$2.33M · loan HK$2.33M · min. income ≈ HK$22,568/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$83,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,812
−HK$639/mo
▼ 0.25% · 3.875%
HK$12,129
−HK$322/mo
Today · 4.125%
HK$12,451
baseline
▲ 0.50% · 4.625%
HK$13,107
+HK$656/mo
Deposit HK$2.33M · loan HK$2.33M · min. income ≈ HK$24,902/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$83,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,742
−HK$799/mo
▼ 0.25% · 3.875%
HK$13,138
−HK$403/mo
Today · 4.125%
HK$13,541
baseline
▲ 0.50% · 4.625%
HK$14,364
+HK$823/mo
Deposit HK$1.86M · loan HK$2.79M · min. income ≈ HK$27,082/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$83,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,175
−HK$766/mo
▼ 0.25% · 3.875%
HK$14,555
−HK$386/mo
Today · 4.125%
HK$14,941
baseline
▲ 0.50% · 4.625%
HK$15,728
+HK$787/mo
Deposit HK$1.86M · loan HK$2.79M · min. income ≈ HK$29,882/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$83,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,865
−HK$932/mo
▼ 0.25% · 3.875%
HK$15,328
−HK$469/mo
Today · 4.125%
HK$15,797
baseline
▲ 0.50% · 4.625%
HK$16,759
+HK$962/mo
Deposit HK$1.40M · loan HK$3.26M · min. income ≈ HK$31,594/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$83,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,537
−HK$894/mo
▼ 0.25% · 3.875%
HK$16,981
−HK$450/mo
Today · 4.125%
HK$17,431
baseline
▲ 0.50% · 4.625%
HK$18,350
+HK$919/mo
Deposit HK$1.40M · loan HK$3.26M · min. income ≈ HK$34,862/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$83,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,112
−HK$1,199/mo
▼ 0.25% · 3.875%
HK$19,707
−HK$604/mo
Today · 4.125%
HK$20,311
baseline
▲ 0.50% · 4.625%
HK$21,547
+HK$1,236/mo
Deposit HK$466K · loan HK$4.19M · min. income ≈ HK$40,622/mo (50% DSR)
Upfront cash ≈ HK$549K (deposit + AVD stamp duty HK$83,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,262
−HK$1,149/mo
▼ 0.25% · 3.875%
HK$21,833
−HK$578/mo
Today · 4.125%
HK$22,411
baseline
▲ 0.50% · 4.625%
HK$23,592
+HK$1,181/mo
Deposit HK$466K · loan HK$4.19M · min. income ≈ HK$44,822/mo (50% DSR)
Upfront cash ≈ HK$549K (deposit + AVD stamp duty HK$83,148 · 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).