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$10,633
−HK$667/mo
▼ 0.25% · 3.875%
HK$10,964
−HK$336/mo
Today · 4.125%
HK$11,300
baseline
▲ 0.50% · 4.625%
HK$11,987
+HK$687/mo
Deposit HK$2.33M · loan HK$2.33M · min. income ≈ HK$22,600/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$83,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,829
−HK$639/mo
▼ 0.25% · 3.875%
HK$12,146
−HK$322/mo
Today · 4.125%
HK$12,468
baseline
▲ 0.50% · 4.625%
HK$13,125
+HK$657/mo
Deposit HK$2.33M · loan HK$2.33M · min. income ≈ HK$24,936/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$83,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,760
−HK$800/mo
▼ 0.25% · 3.875%
HK$13,156
−HK$404/mo
Today · 4.125%
HK$13,560
baseline
▲ 0.50% · 4.625%
HK$14,385
+HK$825/mo
Deposit HK$1.87M · loan HK$2.80M · min. income ≈ HK$27,120/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$83,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,195
−HK$767/mo
▼ 0.25% · 3.875%
HK$14,576
−HK$386/mo
Today · 4.125%
HK$14,962
baseline
▲ 0.50% · 4.625%
HK$15,750
+HK$788/mo
Deposit HK$1.87M · loan HK$2.80M · min. income ≈ HK$29,924/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$83,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,886
−HK$934/mo
▼ 0.25% · 3.875%
HK$15,349
−HK$471/mo
Today · 4.125%
HK$15,820
baseline
▲ 0.50% · 4.625%
HK$16,782
+HK$962/mo
Deposit HK$1.40M · loan HK$3.26M · min. income ≈ HK$31,640/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$83,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,561
−HK$894/mo
▼ 0.25% · 3.875%
HK$17,005
−HK$450/mo
Today · 4.125%
HK$17,455
baseline
▲ 0.50% · 4.625%
HK$18,376
+HK$921/mo
Deposit HK$1.40M · loan HK$3.26M · min. income ≈ HK$34,910/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$83,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,139
−HK$1,201/mo
▼ 0.25% · 3.875%
HK$19,735
−HK$605/mo
Today · 4.125%
HK$20,340
baseline
▲ 0.50% · 4.625%
HK$21,577
+HK$1,237/mo
Deposit HK$466K · loan HK$4.20M · min. income ≈ HK$40,680/mo (50% DSR)
Upfront cash ≈ HK$550K (deposit + AVD stamp duty HK$83,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,292
−HK$1,151/mo
▼ 0.25% · 3.875%
HK$21,863
−HK$580/mo
Today · 4.125%
HK$22,443
baseline
▲ 0.50% · 4.625%
HK$23,626
+HK$1,183/mo
Deposit HK$466K · loan HK$4.20M · min. income ≈ HK$44,886/mo (50% DSR)
Upfront cash ≈ HK$550K (deposit + AVD stamp duty HK$83,806 · 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).