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$10,643
−HK$668/mo
▼ 0.25% · 3.875%
HK$10,974
−HK$337/mo
Today · 4.125%
HK$11,311
baseline
▲ 0.50% · 4.625%
HK$11,999
+HK$688/mo
Deposit HK$2.33M · loan HK$2.33M · min. income ≈ HK$22,622/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$84,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,840
−HK$640/mo
▼ 0.25% · 3.875%
HK$12,158
−HK$322/mo
Today · 4.125%
HK$12,480
baseline
▲ 0.50% · 4.625%
HK$13,138
+HK$658/mo
Deposit HK$2.33M · loan HK$2.33M · min. income ≈ HK$24,960/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$84,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,772
−HK$801/mo
▼ 0.25% · 3.875%
HK$13,169
−HK$404/mo
Today · 4.125%
HK$13,573
baseline
▲ 0.50% · 4.625%
HK$14,399
+HK$826/mo
Deposit HK$1.87M · loan HK$2.80M · min. income ≈ HK$27,146/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$84,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,208
−HK$768/mo
▼ 0.25% · 3.875%
HK$14,590
−HK$386/mo
Today · 4.125%
HK$14,976
baseline
▲ 0.50% · 4.625%
HK$15,766
+HK$790/mo
Deposit HK$1.87M · loan HK$2.80M · min. income ≈ HK$29,952/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$84,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,900
−HK$935/mo
▼ 0.25% · 3.875%
HK$15,364
−HK$471/mo
Today · 4.125%
HK$15,835
baseline
▲ 0.50% · 4.625%
HK$16,798
+HK$963/mo
Deposit HK$1.40M · loan HK$3.27M · min. income ≈ HK$31,670/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$84,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,577
−HK$895/mo
▼ 0.25% · 3.875%
HK$17,021
−HK$451/mo
Today · 4.125%
HK$17,472
baseline
▲ 0.50% · 4.625%
HK$18,393
+HK$921/mo
Deposit HK$1.40M · loan HK$3.27M · min. income ≈ HK$34,944/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$84,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,158
−HK$1,201/mo
▼ 0.25% · 3.875%
HK$19,754
−HK$605/mo
Today · 4.125%
HK$20,359
baseline
▲ 0.50% · 4.625%
HK$21,598
+HK$1,239/mo
Deposit HK$467K · loan HK$4.20M · min. income ≈ HK$40,718/mo (50% DSR)
Upfront cash ≈ HK$551K (deposit + AVD stamp duty HK$84,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,313
−HK$1,151/mo
▼ 0.25% · 3.875%
HK$21,884
−HK$580/mo
Today · 4.125%
HK$22,464
baseline
▲ 0.50% · 4.625%
HK$23,648
+HK$1,184/mo
Deposit HK$467K · loan HK$4.20M · min. income ≈ HK$44,928/mo (50% DSR)
Upfront cash ≈ HK$551K (deposit + AVD stamp duty HK$84,252 · 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).