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$10,602
−HK$665/mo
▼ 0.25% · 3.875%
HK$10,932
−HK$335/mo
Today · 4.125%
HK$11,267
baseline
▲ 0.50% · 4.625%
HK$11,953
+HK$686/mo
Deposit HK$2.32M · loan HK$2.32M · min. income ≈ HK$22,534/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$82,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,795
−HK$637/mo
▼ 0.25% · 3.875%
HK$12,111
−HK$321/mo
Today · 4.125%
HK$12,432
baseline
▲ 0.50% · 4.625%
HK$13,088
+HK$656/mo
Deposit HK$2.32M · loan HK$2.32M · min. income ≈ HK$24,864/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$82,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,723
−HK$798/mo
▼ 0.25% · 3.875%
HK$13,119
−HK$402/mo
Today · 4.125%
HK$13,521
baseline
▲ 0.50% · 4.625%
HK$14,343
+HK$822/mo
Deposit HK$1.86M · loan HK$2.79M · min. income ≈ HK$27,042/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$82,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,154
−HK$765/mo
▼ 0.25% · 3.875%
HK$14,534
−HK$385/mo
Today · 4.125%
HK$14,919
baseline
▲ 0.50% · 4.625%
HK$15,705
+HK$786/mo
Deposit HK$1.86M · loan HK$2.79M · min. income ≈ HK$29,838/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$82,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,843
−HK$931/mo
▼ 0.25% · 3.875%
HK$15,305
−HK$469/mo
Today · 4.125%
HK$15,774
baseline
▲ 0.50% · 4.625%
HK$16,734
+HK$960/mo
Deposit HK$1.39M · loan HK$3.25M · min. income ≈ HK$31,548/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$82,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,513
−HK$892/mo
▼ 0.25% · 3.875%
HK$16,956
−HK$449/mo
Today · 4.125%
HK$17,405
baseline
▲ 0.50% · 4.625%
HK$18,323
+HK$918/mo
Deposit HK$1.39M · loan HK$3.25M · min. income ≈ HK$34,810/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$82,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,084
−HK$1,197/mo
▼ 0.25% · 3.875%
HK$19,678
−HK$603/mo
Today · 4.125%
HK$20,281
baseline
▲ 0.50% · 4.625%
HK$21,515
+HK$1,234/mo
Deposit HK$465K · loan HK$4.18M · min. income ≈ HK$40,562/mo (50% DSR)
Upfront cash ≈ HK$547K (deposit + AVD stamp duty HK$82,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,231
−HK$1,147/mo
▼ 0.25% · 3.875%
HK$21,801
−HK$577/mo
Today · 4.125%
HK$22,378
baseline
▲ 0.50% · 4.625%
HK$23,558
+HK$1,180/mo
Deposit HK$465K · loan HK$4.18M · min. income ≈ HK$44,756/mo (50% DSR)
Upfront cash ≈ HK$547K (deposit + AVD stamp duty HK$82,467 · 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).