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$10,653
−HK$668/mo
▼ 0.25% · 3.875%
HK$10,984
−HK$337/mo
Today · 4.125%
HK$11,321
baseline
▲ 0.50% · 4.625%
HK$12,010
+HK$689/mo
Deposit HK$2.34M · loan HK$2.34M · min. income ≈ HK$22,642/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$84,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,851
−HK$640/mo
▼ 0.25% · 3.875%
HK$12,169
−HK$322/mo
Today · 4.125%
HK$12,491
baseline
▲ 0.50% · 4.625%
HK$13,150
+HK$659/mo
Deposit HK$2.34M · loan HK$2.34M · min. income ≈ HK$24,982/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$84,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,783
−HK$802/mo
▼ 0.25% · 3.875%
HK$13,181
−HK$404/mo
Today · 4.125%
HK$13,585
baseline
▲ 0.50% · 4.625%
HK$14,412
+HK$827/mo
Deposit HK$1.87M · loan HK$2.80M · min. income ≈ HK$27,170/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$84,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,221
−HK$769/mo
▼ 0.25% · 3.875%
HK$14,603
−HK$387/mo
Today · 4.125%
HK$14,990
baseline
▲ 0.50% · 4.625%
HK$15,780
+HK$790/mo
Deposit HK$1.87M · loan HK$2.80M · min. income ≈ HK$29,980/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$84,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,914
−HK$935/mo
▼ 0.25% · 3.875%
HK$15,378
−HK$471/mo
Today · 4.125%
HK$15,849
baseline
▲ 0.50% · 4.625%
HK$16,814
+HK$965/mo
Deposit HK$1.40M · loan HK$3.27M · min. income ≈ HK$31,698/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$84,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,592
−HK$896/mo
▼ 0.25% · 3.875%
HK$17,037
−HK$451/mo
Today · 4.125%
HK$17,488
baseline
▲ 0.50% · 4.625%
HK$18,410
+HK$922/mo
Deposit HK$1.40M · loan HK$3.27M · min. income ≈ HK$34,976/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$84,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,175
−HK$1,202/mo
▼ 0.25% · 3.875%
HK$19,771
−HK$606/mo
Today · 4.125%
HK$20,377
baseline
▲ 0.50% · 4.625%
HK$21,617
+HK$1,240/mo
Deposit HK$467K · loan HK$4.20M · min. income ≈ HK$40,754/mo (50% DSR)
Upfront cash ≈ HK$552K (deposit + AVD stamp duty HK$84,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,332
−HK$1,153/mo
▼ 0.25% · 3.875%
HK$21,904
−HK$581/mo
Today · 4.125%
HK$22,485
baseline
▲ 0.50% · 4.625%
HK$23,670
+HK$1,185/mo
Deposit HK$467K · loan HK$4.20M · min. income ≈ HK$44,970/mo (50% DSR)
Upfront cash ≈ HK$552K (deposit + AVD stamp duty HK$84,675 · 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).