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$10,624
−HK$666/mo
▼ 0.25% · 3.875%
HK$10,954
−HK$336/mo
Today · 4.125%
HK$11,290
baseline
▲ 0.50% · 4.625%
HK$11,977
+HK$687/mo
Deposit HK$2.33M · loan HK$2.33M · min. income ≈ HK$22,580/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$83,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,819
−HK$638/mo
▼ 0.25% · 3.875%
HK$12,136
−HK$321/mo
Today · 4.125%
HK$12,457
baseline
▲ 0.50% · 4.625%
HK$13,114
+HK$657/mo
Deposit HK$2.33M · loan HK$2.33M · min. income ≈ HK$24,914/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$83,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,748
−HK$800/mo
▼ 0.25% · 3.875%
HK$13,145
−HK$403/mo
Today · 4.125%
HK$13,548
baseline
▲ 0.50% · 4.625%
HK$14,372
+HK$824/mo
Deposit HK$1.86M · loan HK$2.80M · min. income ≈ HK$27,096/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$83,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,182
−HK$767/mo
▼ 0.25% · 3.875%
HK$14,563
−HK$386/mo
Today · 4.125%
HK$14,949
baseline
▲ 0.50% · 4.625%
HK$15,736
+HK$787/mo
Deposit HK$1.86M · loan HK$2.80M · min. income ≈ HK$29,898/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$83,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,873
−HK$933/mo
▼ 0.25% · 3.875%
HK$15,336
−HK$470/mo
Today · 4.125%
HK$15,806
baseline
▲ 0.50% · 4.625%
HK$16,767
+HK$961/mo
Deposit HK$1.40M · loan HK$3.26M · min. income ≈ HK$31,612/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$83,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,546
−HK$894/mo
▼ 0.25% · 3.875%
HK$16,990
−HK$450/mo
Today · 4.125%
HK$17,440
baseline
▲ 0.50% · 4.625%
HK$18,359
+HK$919/mo
Deposit HK$1.40M · loan HK$3.26M · min. income ≈ HK$34,880/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$83,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,122
−HK$1,200/mo
▼ 0.25% · 3.875%
HK$19,717
−HK$605/mo
Today · 4.125%
HK$20,322
baseline
▲ 0.50% · 4.625%
HK$21,558
+HK$1,236/mo
Deposit HK$466K · loan HK$4.19M · min. income ≈ HK$40,644/mo (50% DSR)
Upfront cash ≈ HK$549K (deposit + AVD stamp duty HK$83,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,273
−HK$1,150/mo
▼ 0.25% · 3.875%
HK$21,844
−HK$579/mo
Today · 4.125%
HK$22,423
baseline
▲ 0.50% · 4.625%
HK$23,605
+HK$1,182/mo
Deposit HK$466K · loan HK$4.19M · min. income ≈ HK$44,846/mo (50% DSR)
Upfront cash ≈ HK$549K (deposit + AVD stamp duty HK$83,393 · 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).