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$10,616
−HK$666/mo
▼ 0.25% · 3.875%
HK$10,946
−HK$336/mo
Today · 4.125%
HK$11,282
baseline
▲ 0.50% · 4.625%
HK$11,968
+HK$686/mo
Deposit HK$2.33M · loan HK$2.33M · min. income ≈ HK$22,564/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$83,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,810
−HK$638/mo
▼ 0.25% · 3.875%
HK$12,127
−HK$321/mo
Today · 4.125%
HK$12,448
baseline
▲ 0.50% · 4.625%
HK$13,105
+HK$657/mo
Deposit HK$2.33M · loan HK$2.33M · min. income ≈ HK$24,896/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$83,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,739
−HK$799/mo
▼ 0.25% · 3.875%
HK$13,136
−HK$402/mo
Today · 4.125%
HK$13,538
baseline
▲ 0.50% · 4.625%
HK$14,362
+HK$824/mo
Deposit HK$1.86M · loan HK$2.79M · min. income ≈ HK$27,076/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$83,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,172
−HK$766/mo
▼ 0.25% · 3.875%
HK$14,553
−HK$385/mo
Today · 4.125%
HK$14,938
baseline
▲ 0.50% · 4.625%
HK$15,726
+HK$788/mo
Deposit HK$1.86M · loan HK$2.79M · min. income ≈ HK$29,876/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$83,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,863
−HK$932/mo
▼ 0.25% · 3.875%
HK$15,325
−HK$470/mo
Today · 4.125%
HK$15,795
baseline
▲ 0.50% · 4.625%
HK$16,756
+HK$961/mo
Deposit HK$1.40M · loan HK$3.26M · min. income ≈ HK$31,590/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$83,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,534
−HK$894/mo
▼ 0.25% · 3.875%
HK$16,978
−HK$450/mo
Today · 4.125%
HK$17,428
baseline
▲ 0.50% · 4.625%
HK$18,346
+HK$918/mo
Deposit HK$1.40M · loan HK$3.26M · min. income ≈ HK$34,856/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$83,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,109
−HK$1,198/mo
▼ 0.25% · 3.875%
HK$19,703
−HK$604/mo
Today · 4.125%
HK$20,307
baseline
▲ 0.50% · 4.625%
HK$21,543
+HK$1,236/mo
Deposit HK$466K · loan HK$4.19M · min. income ≈ HK$40,614/mo (50% DSR)
Upfront cash ≈ HK$549K (deposit + AVD stamp duty HK$83,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,259
−HK$1,148/mo
▼ 0.25% · 3.875%
HK$21,829
−HK$578/mo
Today · 4.125%
HK$22,407
baseline
▲ 0.50% · 4.625%
HK$23,588
+HK$1,181/mo
Deposit HK$466K · loan HK$4.19M · min. income ≈ HK$44,814/mo (50% DSR)
Upfront cash ≈ HK$549K (deposit + AVD stamp duty HK$83,068 · 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).