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$10,572
−HK$663/mo
▼ 0.25% · 3.875%
HK$10,901
−HK$334/mo
Today · 4.125%
HK$11,235
baseline
▲ 0.50% · 4.625%
HK$11,918
+HK$683/mo
Deposit HK$2.32M · loan HK$2.32M · min. income ≈ HK$22,470/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$81,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,761
−HK$635/mo
▼ 0.25% · 3.875%
HK$12,076
−HK$320/mo
Today · 4.125%
HK$12,396
baseline
▲ 0.50% · 4.625%
HK$13,050
+HK$654/mo
Deposit HK$2.32M · loan HK$2.32M · min. income ≈ HK$24,792/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$81,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,686
−HK$796/mo
▼ 0.25% · 3.875%
HK$13,081
−HK$401/mo
Today · 4.125%
HK$13,482
baseline
▲ 0.50% · 4.625%
HK$14,302
+HK$820/mo
Deposit HK$1.85M · loan HK$2.78M · min. income ≈ HK$26,964/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$81,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,113
−HK$763/mo
▼ 0.25% · 3.875%
HK$14,492
−HK$384/mo
Today · 4.125%
HK$14,876
baseline
▲ 0.50% · 4.625%
HK$15,660
+HK$784/mo
Deposit HK$1.85M · loan HK$2.78M · min. income ≈ HK$29,752/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$81,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,800
−HK$928/mo
▼ 0.25% · 3.875%
HK$15,261
−HK$467/mo
Today · 4.125%
HK$15,728
baseline
▲ 0.50% · 4.625%
HK$16,685
+HK$957/mo
Deposit HK$1.39M · loan HK$3.25M · min. income ≈ HK$31,456/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$81,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,465
−HK$890/mo
▼ 0.25% · 3.875%
HK$16,907
−HK$448/mo
Today · 4.125%
HK$17,355
baseline
▲ 0.50% · 4.625%
HK$18,270
+HK$915/mo
Deposit HK$1.39M · loan HK$3.25M · min. income ≈ HK$34,710/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$81,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,029
−HK$1,193/mo
▼ 0.25% · 3.875%
HK$19,621
−HK$601/mo
Today · 4.125%
HK$20,222
baseline
▲ 0.50% · 4.625%
HK$21,453
+HK$1,231/mo
Deposit HK$464K · loan HK$4.17M · min. income ≈ HK$40,444/mo (50% DSR)
Upfront cash ≈ HK$545K (deposit + AVD stamp duty HK$81,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,170
−HK$1,143/mo
▼ 0.25% · 3.875%
HK$21,737
−HK$576/mo
Today · 4.125%
HK$22,313
baseline
▲ 0.50% · 4.625%
HK$23,489
+HK$1,176/mo
Deposit HK$464K · loan HK$4.17M · min. income ≈ HK$44,626/mo (50% DSR)
Upfront cash ≈ HK$545K (deposit + AVD stamp duty HK$81,118 · 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).