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$10,533
−HK$660/mo
▼ 0.25% · 3.875%
HK$10,860
−HK$333/mo
Today · 4.125%
HK$11,193
baseline
▲ 0.50% · 4.625%
HK$11,874
+HK$681/mo
Deposit HK$2.31M · loan HK$2.31M · min. income ≈ HK$22,386/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$79,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,717
−HK$634/mo
▼ 0.25% · 3.875%
HK$12,032
−HK$319/mo
Today · 4.125%
HK$12,351
baseline
▲ 0.50% · 4.625%
HK$13,002
+HK$651/mo
Deposit HK$2.31M · loan HK$2.31M · min. income ≈ HK$24,702/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$79,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,639
−HK$793/mo
▼ 0.25% · 3.875%
HK$13,032
−HK$400/mo
Today · 4.125%
HK$13,432
baseline
▲ 0.50% · 4.625%
HK$14,249
+HK$817/mo
Deposit HK$1.85M · loan HK$2.77M · min. income ≈ HK$26,864/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$79,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,061
−HK$760/mo
▼ 0.25% · 3.875%
HK$14,438
−HK$383/mo
Today · 4.125%
HK$14,821
baseline
▲ 0.50% · 4.625%
HK$15,602
+HK$781/mo
Deposit HK$1.85M · loan HK$2.77M · min. income ≈ HK$29,642/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$79,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,746
−HK$924/mo
▼ 0.25% · 3.875%
HK$15,204
−HK$466/mo
Today · 4.125%
HK$15,670
baseline
▲ 0.50% · 4.625%
HK$16,624
+HK$954/mo
Deposit HK$1.39M · loan HK$3.23M · min. income ≈ HK$31,340/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$79,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,404
−HK$887/mo
▼ 0.25% · 3.875%
HK$16,844
−HK$447/mo
Today · 4.125%
HK$17,291
baseline
▲ 0.50% · 4.625%
HK$18,202
+HK$911/mo
Deposit HK$1.39M · loan HK$3.23M · min. income ≈ HK$34,582/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$79,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,959
−HK$1,189/mo
▼ 0.25% · 3.875%
HK$19,549
−HK$599/mo
Today · 4.125%
HK$20,148
baseline
▲ 0.50% · 4.625%
HK$21,374
+HK$1,226/mo
Deposit HK$462K · loan HK$4.16M · min. income ≈ HK$40,296/mo (50% DSR)
Upfront cash ≈ HK$541K (deposit + AVD stamp duty HK$79,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,091
−HK$1,140/mo
▼ 0.25% · 3.875%
HK$21,657
−HK$574/mo
Today · 4.125%
HK$22,231
baseline
▲ 0.50% · 4.625%
HK$23,403
+HK$1,172/mo
Deposit HK$462K · loan HK$4.16M · min. income ≈ HK$44,462/mo (50% DSR)
Upfront cash ≈ HK$541K (deposit + AVD stamp duty HK$79,407 · 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).