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$10,635
−HK$666/mo
▼ 0.25% · 3.875%
HK$10,965
−HK$336/mo
Today · 4.125%
HK$11,301
baseline
▲ 0.50% · 4.625%
HK$11,989
+HK$688/mo
Deposit HK$2.33M · loan HK$2.33M · min. income ≈ HK$22,602/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$83,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,831
−HK$639/mo
▼ 0.25% · 3.875%
HK$12,148
−HK$322/mo
Today · 4.125%
HK$12,470
baseline
▲ 0.50% · 4.625%
HK$13,127
+HK$657/mo
Deposit HK$2.33M · loan HK$2.33M · min. income ≈ HK$24,940/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$83,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,761
−HK$801/mo
▼ 0.25% · 3.875%
HK$13,158
−HK$404/mo
Today · 4.125%
HK$13,562
baseline
▲ 0.50% · 4.625%
HK$14,387
+HK$825/mo
Deposit HK$1.87M · loan HK$2.80M · min. income ≈ HK$27,124/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$83,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,197
−HK$767/mo
▼ 0.25% · 3.875%
HK$14,578
−HK$386/mo
Today · 4.125%
HK$14,964
baseline
▲ 0.50% · 4.625%
HK$15,753
+HK$789/mo
Deposit HK$1.87M · loan HK$2.80M · min. income ≈ HK$29,928/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$83,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,888
−HK$934/mo
▼ 0.25% · 3.875%
HK$15,351
−HK$471/mo
Today · 4.125%
HK$15,822
baseline
▲ 0.50% · 4.625%
HK$16,785
+HK$963/mo
Deposit HK$1.40M · loan HK$3.26M · min. income ≈ HK$31,644/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$83,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,563
−HK$895/mo
▼ 0.25% · 3.875%
HK$17,007
−HK$451/mo
Today · 4.125%
HK$17,458
baseline
▲ 0.50% · 4.625%
HK$18,378
+HK$920/mo
Deposit HK$1.40M · loan HK$3.26M · min. income ≈ HK$34,916/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$83,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,142
−HK$1,201/mo
▼ 0.25% · 3.875%
HK$19,738
−HK$605/mo
Today · 4.125%
HK$20,343
baseline
▲ 0.50% · 4.625%
HK$21,580
+HK$1,237/mo
Deposit HK$466K · loan HK$4.20M · min. income ≈ HK$40,686/mo (50% DSR)
Upfront cash ≈ HK$550K (deposit + AVD stamp duty HK$83,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,295
−HK$1,151/mo
▼ 0.25% · 3.875%
HK$21,867
−HK$579/mo
Today · 4.125%
HK$22,446
baseline
▲ 0.50% · 4.625%
HK$23,629
+HK$1,183/mo
Deposit HK$466K · loan HK$4.20M · min. income ≈ HK$44,892/mo (50% DSR)
Upfront cash ≈ HK$550K (deposit + AVD stamp duty HK$83,875 · 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).