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$10,456
−HK$656/mo
▼ 0.25% · 3.875%
HK$10,781
−HK$331/mo
Today · 4.125%
HK$11,112
baseline
▲ 0.50% · 4.625%
HK$11,788
+HK$676/mo
Deposit HK$2.29M · loan HK$2.29M · min. income ≈ HK$22,224/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$76,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,632
−HK$629/mo
▼ 0.25% · 3.875%
HK$11,944
−HK$317/mo
Today · 4.125%
HK$12,261
baseline
▲ 0.50% · 4.625%
HK$12,907
+HK$646/mo
Deposit HK$2.29M · loan HK$2.29M · min. income ≈ HK$24,522/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$76,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,547
−HK$787/mo
▼ 0.25% · 3.875%
HK$12,937
−HK$397/mo
Today · 4.125%
HK$13,334
baseline
▲ 0.50% · 4.625%
HK$14,145
+HK$811/mo
Deposit HK$1.83M · loan HK$2.75M · min. income ≈ HK$26,668/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$76,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,959
−HK$754/mo
▼ 0.25% · 3.875%
HK$14,333
−HK$380/mo
Today · 4.125%
HK$14,713
baseline
▲ 0.50% · 4.625%
HK$15,488
+HK$775/mo
Deposit HK$1.83M · loan HK$2.75M · min. income ≈ HK$29,426/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$76,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,638
−HK$918/mo
▼ 0.25% · 3.875%
HK$15,094
−HK$462/mo
Today · 4.125%
HK$15,556
baseline
▲ 0.50% · 4.625%
HK$16,503
+HK$947/mo
Deposit HK$1.38M · loan HK$3.21M · min. income ≈ HK$31,112/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$76,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,285
−HK$880/mo
▼ 0.25% · 3.875%
HK$16,722
−HK$443/mo
Today · 4.125%
HK$17,165
baseline
▲ 0.50% · 4.625%
HK$18,070
+HK$905/mo
Deposit HK$1.38M · loan HK$3.21M · min. income ≈ HK$34,330/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$76,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,821
−HK$1,180/mo
▼ 0.25% · 3.875%
HK$19,406
−HK$595/mo
Today · 4.125%
HK$20,001
baseline
▲ 0.50% · 4.625%
HK$21,218
+HK$1,217/mo
Deposit HK$459K · loan HK$4.13M · min. income ≈ HK$40,002/mo (50% DSR)
Upfront cash ≈ HK$535K (deposit + AVD stamp duty HK$76,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,938
−HK$1,131/mo
▼ 0.25% · 3.875%
HK$21,499
−HK$570/mo
Today · 4.125%
HK$22,069
baseline
▲ 0.50% · 4.625%
HK$23,232
+HK$1,163/mo
Deposit HK$459K · loan HK$4.13M · min. income ≈ HK$44,138/mo (50% DSR)
Upfront cash ≈ HK$535K (deposit + AVD stamp duty HK$76,042 · 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).