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$10,550
−HK$662/mo
▼ 0.25% · 3.875%
HK$10,878
−HK$334/mo
Today · 4.125%
HK$11,212
baseline
▲ 0.50% · 4.625%
HK$11,894
+HK$682/mo
Deposit HK$2.31M · loan HK$2.31M · min. income ≈ HK$22,424/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$80,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,737
−HK$634/mo
▼ 0.25% · 3.875%
HK$12,052
−HK$319/mo
Today · 4.125%
HK$12,371
baseline
▲ 0.50% · 4.625%
HK$13,023
+HK$652/mo
Deposit HK$2.31M · loan HK$2.31M · min. income ≈ HK$24,742/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$80,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,660
−HK$794/mo
▼ 0.25% · 3.875%
HK$13,054
−HK$400/mo
Today · 4.125%
HK$13,454
baseline
▲ 0.50% · 4.625%
HK$14,273
+HK$819/mo
Deposit HK$1.85M · loan HK$2.78M · min. income ≈ HK$26,908/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$80,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,085
−HK$760/mo
▼ 0.25% · 3.875%
HK$14,462
−HK$383/mo
Today · 4.125%
HK$14,845
baseline
▲ 0.50% · 4.625%
HK$15,628
+HK$783/mo
Deposit HK$1.85M · loan HK$2.78M · min. income ≈ HK$29,690/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$80,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,770
−HK$927/mo
▼ 0.25% · 3.875%
HK$15,230
−HK$467/mo
Today · 4.125%
HK$15,697
baseline
▲ 0.50% · 4.625%
HK$16,652
+HK$955/mo
Deposit HK$1.39M · loan HK$3.24M · min. income ≈ HK$31,394/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$80,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,432
−HK$888/mo
▼ 0.25% · 3.875%
HK$16,873
−HK$447/mo
Today · 4.125%
HK$17,320
baseline
▲ 0.50% · 4.625%
HK$18,233
+HK$913/mo
Deposit HK$1.39M · loan HK$3.24M · min. income ≈ HK$34,640/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$80,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,991
−HK$1,190/mo
▼ 0.25% · 3.875%
HK$19,581
−HK$600/mo
Today · 4.125%
HK$20,181
baseline
▲ 0.50% · 4.625%
HK$21,409
+HK$1,228/mo
Deposit HK$463K · loan HK$4.16M · min. income ≈ HK$40,362/mo (50% DSR)
Upfront cash ≈ HK$543K (deposit + AVD stamp duty HK$80,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,127
−HK$1,141/mo
▼ 0.25% · 3.875%
HK$21,693
−HK$575/mo
Today · 4.125%
HK$22,268
baseline
▲ 0.50% · 4.625%
HK$23,442
+HK$1,174/mo
Deposit HK$463K · loan HK$4.16M · min. income ≈ HK$44,536/mo (50% DSR)
Upfront cash ≈ HK$543K (deposit + AVD stamp duty HK$80,181 · 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).