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$10,583
−HK$664/mo
▼ 0.25% · 3.875%
HK$10,912
−HK$335/mo
Today · 4.125%
HK$11,247
baseline
▲ 0.50% · 4.625%
HK$11,931
+HK$684/mo
Deposit HK$2.32M · loan HK$2.32M · min. income ≈ HK$22,494/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$81,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,774
−HK$636/mo
▼ 0.25% · 3.875%
HK$12,089
−HK$321/mo
Today · 4.125%
HK$12,410
baseline
▲ 0.50% · 4.625%
HK$13,064
+HK$654/mo
Deposit HK$2.32M · loan HK$2.32M · min. income ≈ HK$24,820/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$81,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,700
−HK$796/mo
▼ 0.25% · 3.875%
HK$13,095
−HK$401/mo
Today · 4.125%
HK$13,496
baseline
▲ 0.50% · 4.625%
HK$14,317
+HK$821/mo
Deposit HK$1.86M · loan HK$2.78M · min. income ≈ HK$26,992/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$81,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,128
−HK$764/mo
▼ 0.25% · 3.875%
HK$14,507
−HK$385/mo
Today · 4.125%
HK$14,892
baseline
▲ 0.50% · 4.625%
HK$15,677
+HK$785/mo
Deposit HK$1.86M · loan HK$2.78M · min. income ≈ HK$29,784/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$81,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,816
−HK$929/mo
▼ 0.25% · 3.875%
HK$15,277
−HK$468/mo
Today · 4.125%
HK$15,745
baseline
▲ 0.50% · 4.625%
HK$16,704
+HK$959/mo
Deposit HK$1.39M · loan HK$3.25M · min. income ≈ HK$31,490/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$81,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,483
−HK$891/mo
▼ 0.25% · 3.875%
HK$16,925
−HK$449/mo
Today · 4.125%
HK$17,374
baseline
▲ 0.50% · 4.625%
HK$18,289
+HK$915/mo
Deposit HK$1.39M · loan HK$3.25M · min. income ≈ HK$34,748/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$81,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,050
−HK$1,194/mo
▼ 0.25% · 3.875%
HK$19,642
−HK$602/mo
Today · 4.125%
HK$20,244
baseline
▲ 0.50% · 4.625%
HK$21,476
+HK$1,232/mo
Deposit HK$464K · loan HK$4.18M · min. income ≈ HK$40,488/mo (50% DSR)
Upfront cash ≈ HK$546K (deposit + AVD stamp duty HK$81,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,192
−HK$1,145/mo
▼ 0.25% · 3.875%
HK$21,761
−HK$576/mo
Today · 4.125%
HK$22,337
baseline
▲ 0.50% · 4.625%
HK$23,515
+HK$1,178/mo
Deposit HK$464K · loan HK$4.18M · min. income ≈ HK$44,674/mo (50% DSR)
Upfront cash ≈ HK$546K (deposit + AVD stamp duty HK$81,620 · 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).