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$10,622
−HK$666/mo
▼ 0.25% · 3.875%
HK$10,952
−HK$336/mo
Today · 4.125%
HK$11,288
baseline
▲ 0.50% · 4.625%
HK$11,975
+HK$687/mo
Deposit HK$2.33M · loan HK$2.33M · min. income ≈ HK$22,576/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$83,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,817
−HK$638/mo
▼ 0.25% · 3.875%
HK$12,134
−HK$321/mo
Today · 4.125%
HK$12,455
baseline
▲ 0.50% · 4.625%
HK$13,112
+HK$657/mo
Deposit HK$2.33M · loan HK$2.33M · min. income ≈ HK$24,910/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$83,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,746
−HK$799/mo
▼ 0.25% · 3.875%
HK$13,143
−HK$402/mo
Today · 4.125%
HK$13,545
baseline
▲ 0.50% · 4.625%
HK$14,370
+HK$825/mo
Deposit HK$1.86M · loan HK$2.79M · min. income ≈ HK$27,090/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$83,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,180
−HK$766/mo
▼ 0.25% · 3.875%
HK$14,560
−HK$386/mo
Today · 4.125%
HK$14,946
baseline
▲ 0.50% · 4.625%
HK$15,734
+HK$788/mo
Deposit HK$1.86M · loan HK$2.79M · min. income ≈ HK$29,892/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$83,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,870
−HK$933/mo
▼ 0.25% · 3.875%
HK$15,333
−HK$470/mo
Today · 4.125%
HK$15,803
baseline
▲ 0.50% · 4.625%
HK$16,765
+HK$962/mo
Deposit HK$1.40M · loan HK$3.26M · min. income ≈ HK$31,606/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$83,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,543
−HK$894/mo
▼ 0.25% · 3.875%
HK$16,987
−HK$450/mo
Today · 4.125%
HK$17,437
baseline
▲ 0.50% · 4.625%
HK$18,356
+HK$919/mo
Deposit HK$1.40M · loan HK$3.26M · min. income ≈ HK$34,874/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$83,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,119
−HK$1,199/mo
▼ 0.25% · 3.875%
HK$19,714
−HK$604/mo
Today · 4.125%
HK$20,318
baseline
▲ 0.50% · 4.625%
HK$21,554
+HK$1,236/mo
Deposit HK$466K · loan HK$4.19M · min. income ≈ HK$40,636/mo (50% DSR)
Upfront cash ≈ HK$549K (deposit + AVD stamp duty HK$83,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,270
−HK$1,149/mo
▼ 0.25% · 3.875%
HK$21,840
−HK$579/mo
Today · 4.125%
HK$22,419
baseline
▲ 0.50% · 4.625%
HK$23,601
+HK$1,182/mo
Deposit HK$466K · loan HK$4.19M · min. income ≈ HK$44,838/mo (50% DSR)
Upfront cash ≈ HK$549K (deposit + AVD stamp duty HK$83,315 · 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).