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$10,584
−HK$664/mo
▼ 0.25% · 3.875%
HK$10,913
−HK$335/mo
Today · 4.125%
HK$11,248
baseline
▲ 0.50% · 4.625%
HK$11,932
+HK$684/mo
Deposit HK$2.32M · loan HK$2.32M · min. income ≈ HK$22,496/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$81,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,774
−HK$637/mo
▼ 0.25% · 3.875%
HK$12,090
−HK$321/mo
Today · 4.125%
HK$12,411
baseline
▲ 0.50% · 4.625%
HK$13,065
+HK$654/mo
Deposit HK$2.32M · loan HK$2.32M · min. income ≈ HK$24,822/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$81,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,701
−HK$796/mo
▼ 0.25% · 3.875%
HK$13,096
−HK$401/mo
Today · 4.125%
HK$13,497
baseline
▲ 0.50% · 4.625%
HK$14,318
+HK$821/mo
Deposit HK$1.86M · loan HK$2.78M · min. income ≈ HK$26,994/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$81,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,129
−HK$764/mo
▼ 0.25% · 3.875%
HK$14,508
−HK$385/mo
Today · 4.125%
HK$14,893
baseline
▲ 0.50% · 4.625%
HK$15,678
+HK$785/mo
Deposit HK$1.86M · loan HK$2.78M · min. income ≈ HK$29,786/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$81,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,817
−HK$930/mo
▼ 0.25% · 3.875%
HK$15,278
−HK$469/mo
Today · 4.125%
HK$15,747
baseline
▲ 0.50% · 4.625%
HK$16,705
+HK$958/mo
Deposit HK$1.39M · loan HK$3.25M · min. income ≈ HK$31,494/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$81,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,484
−HK$891/mo
▼ 0.25% · 3.875%
HK$16,926
−HK$449/mo
Today · 4.125%
HK$17,375
baseline
▲ 0.50% · 4.625%
HK$18,291
+HK$916/mo
Deposit HK$1.39M · loan HK$3.25M · min. income ≈ HK$34,750/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$81,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,051
−HK$1,195/mo
▼ 0.25% · 3.875%
HK$19,644
−HK$602/mo
Today · 4.125%
HK$20,246
baseline
▲ 0.50% · 4.625%
HK$21,478
+HK$1,232/mo
Deposit HK$464K · loan HK$4.18M · min. income ≈ HK$40,492/mo (50% DSR)
Upfront cash ≈ HK$546K (deposit + AVD stamp duty HK$81,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,194
−HK$1,145/mo
▼ 0.25% · 3.875%
HK$21,762
−HK$577/mo
Today · 4.125%
HK$22,339
baseline
▲ 0.50% · 4.625%
HK$23,517
+HK$1,178/mo
Deposit HK$464K · loan HK$4.18M · min. income ≈ HK$44,678/mo (50% DSR)
Upfront cash ≈ HK$546K (deposit + AVD stamp duty HK$81,653 · 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).