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$10,521
−HK$660/mo
▼ 0.25% · 3.875%
HK$10,849
−HK$332/mo
Today · 4.125%
HK$11,181
baseline
▲ 0.50% · 4.625%
HK$11,862
+HK$681/mo
Deposit HK$2.31M · loan HK$2.31M · min. income ≈ HK$22,362/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$78,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,705
−HK$632/mo
▼ 0.25% · 3.875%
HK$12,019
−HK$318/mo
Today · 4.125%
HK$12,337
baseline
▲ 0.50% · 4.625%
HK$12,988
+HK$651/mo
Deposit HK$2.31M · loan HK$2.31M · min. income ≈ HK$24,674/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$78,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,626
−HK$791/mo
▼ 0.25% · 3.875%
HK$13,018
−HK$399/mo
Today · 4.125%
HK$13,417
baseline
▲ 0.50% · 4.625%
HK$14,234
+HK$817/mo
Deposit HK$1.85M · loan HK$2.77M · min. income ≈ HK$26,834/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$78,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,046
−HK$759/mo
▼ 0.25% · 3.875%
HK$14,423
−HK$382/mo
Today · 4.125%
HK$14,805
baseline
▲ 0.50% · 4.625%
HK$15,585
+HK$780/mo
Deposit HK$1.85M · loan HK$2.77M · min. income ≈ HK$29,610/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$78,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,730
−HK$924/mo
▼ 0.25% · 3.875%
HK$15,188
−HK$466/mo
Today · 4.125%
HK$15,654
baseline
▲ 0.50% · 4.625%
HK$16,606
+HK$952/mo
Deposit HK$1.38M · loan HK$3.23M · min. income ≈ HK$31,308/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$78,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,387
−HK$885/mo
▼ 0.25% · 3.875%
HK$16,826
−HK$446/mo
Today · 4.125%
HK$17,272
baseline
▲ 0.50% · 4.625%
HK$18,183
+HK$911/mo
Deposit HK$1.38M · loan HK$3.23M · min. income ≈ HK$34,544/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$78,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,939
−HK$1,187/mo
▼ 0.25% · 3.875%
HK$19,528
−HK$598/mo
Today · 4.125%
HK$20,126
baseline
▲ 0.50% · 4.625%
HK$21,351
+HK$1,225/mo
Deposit HK$461K · loan HK$4.15M · min. income ≈ HK$40,252/mo (50% DSR)
Upfront cash ≈ HK$540K (deposit + AVD stamp duty HK$78,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,069
−HK$1,138/mo
▼ 0.25% · 3.875%
HK$21,634
−HK$573/mo
Today · 4.125%
HK$22,207
baseline
▲ 0.50% · 4.625%
HK$23,378
+HK$1,171/mo
Deposit HK$461K · loan HK$4.15M · min. income ≈ HK$44,414/mo (50% DSR)
Upfront cash ≈ HK$540K (deposit + AVD stamp duty HK$78,914 · 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).