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$10,540
−HK$660/mo
▼ 0.25% · 3.875%
HK$10,867
−HK$333/mo
Today · 4.125%
HK$11,200
baseline
▲ 0.50% · 4.625%
HK$11,882
+HK$682/mo
Deposit HK$2.31M · loan HK$2.31M · min. income ≈ HK$22,400/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$79,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,725
−HK$634/mo
▼ 0.25% · 3.875%
HK$12,040
−HK$319/mo
Today · 4.125%
HK$12,359
baseline
▲ 0.50% · 4.625%
HK$13,010
+HK$651/mo
Deposit HK$2.31M · loan HK$2.31M · min. income ≈ HK$24,718/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$79,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,647
−HK$794/mo
▼ 0.25% · 3.875%
HK$13,041
−HK$400/mo
Today · 4.125%
HK$13,441
baseline
▲ 0.50% · 4.625%
HK$14,258
+HK$817/mo
Deposit HK$1.85M · loan HK$2.77M · min. income ≈ HK$26,882/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$79,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,070
−HK$760/mo
▼ 0.25% · 3.875%
HK$14,448
−HK$382/mo
Today · 4.125%
HK$14,830
baseline
▲ 0.50% · 4.625%
HK$15,612
+HK$782/mo
Deposit HK$1.85M · loan HK$2.77M · min. income ≈ HK$29,660/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$79,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,755
−HK$926/mo
▼ 0.25% · 3.875%
HK$15,214
−HK$467/mo
Today · 4.125%
HK$15,681
baseline
▲ 0.50% · 4.625%
HK$16,635
+HK$954/mo
Deposit HK$1.39M · loan HK$3.24M · min. income ≈ HK$31,362/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$79,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,415
−HK$887/mo
▼ 0.25% · 3.875%
HK$16,855
−HK$447/mo
Today · 4.125%
HK$17,302
baseline
▲ 0.50% · 4.625%
HK$18,214
+HK$912/mo
Deposit HK$1.39M · loan HK$3.24M · min. income ≈ HK$34,604/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$79,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,971
−HK$1,190/mo
▼ 0.25% · 3.875%
HK$19,561
−HK$600/mo
Today · 4.125%
HK$20,161
baseline
▲ 0.50% · 4.625%
HK$21,388
+HK$1,227/mo
Deposit HK$462K · loan HK$4.16M · min. income ≈ HK$40,322/mo (50% DSR)
Upfront cash ≈ HK$542K (deposit + AVD stamp duty HK$79,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,105
−HK$1,141/mo
▼ 0.25% · 3.875%
HK$21,671
−HK$575/mo
Today · 4.125%
HK$22,246
baseline
▲ 0.50% · 4.625%
HK$23,418
+HK$1,172/mo
Deposit HK$462K · loan HK$4.16M · min. income ≈ HK$44,492/mo (50% DSR)
Upfront cash ≈ HK$542K (deposit + AVD stamp duty HK$79,710 · 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).