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$10,582
−HK$663/mo
▼ 0.25% · 3.875%
HK$10,911
−HK$334/mo
Today · 4.125%
HK$11,245
baseline
▲ 0.50% · 4.625%
HK$11,929
+HK$684/mo
Deposit HK$2.32M · loan HK$2.32M · min. income ≈ HK$22,490/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$81,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,772
−HK$636/mo
▼ 0.25% · 3.875%
HK$12,088
−HK$320/mo
Today · 4.125%
HK$12,408
baseline
▲ 0.50% · 4.625%
HK$13,062
+HK$654/mo
Deposit HK$2.32M · loan HK$2.32M · min. income ≈ HK$24,816/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$81,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,698
−HK$796/mo
▼ 0.25% · 3.875%
HK$13,093
−HK$401/mo
Today · 4.125%
HK$13,494
baseline
▲ 0.50% · 4.625%
HK$14,315
+HK$821/mo
Deposit HK$1.86M · loan HK$2.78M · min. income ≈ HK$26,988/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$81,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,126
−HK$764/mo
▼ 0.25% · 3.875%
HK$14,505
−HK$385/mo
Today · 4.125%
HK$14,890
baseline
▲ 0.50% · 4.625%
HK$15,674
+HK$784/mo
Deposit HK$1.86M · loan HK$2.78M · min. income ≈ HK$29,780/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$81,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,814
−HK$929/mo
▼ 0.25% · 3.875%
HK$15,275
−HK$468/mo
Today · 4.125%
HK$15,743
baseline
▲ 0.50% · 4.625%
HK$16,701
+HK$958/mo
Deposit HK$1.39M · loan HK$3.25M · min. income ≈ HK$31,486/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$81,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,481
−HK$890/mo
▼ 0.25% · 3.875%
HK$16,923
−HK$448/mo
Today · 4.125%
HK$17,371
baseline
▲ 0.50% · 4.625%
HK$18,287
+HK$916/mo
Deposit HK$1.39M · loan HK$3.25M · min. income ≈ HK$34,742/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$81,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,047
−HK$1,194/mo
▼ 0.25% · 3.875%
HK$19,639
−HK$602/mo
Today · 4.125%
HK$20,241
baseline
▲ 0.50% · 4.625%
HK$21,473
+HK$1,232/mo
Deposit HK$464K · loan HK$4.18M · min. income ≈ HK$40,482/mo (50% DSR)
Upfront cash ≈ HK$546K (deposit + AVD stamp duty HK$81,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,190
−HK$1,144/mo
▼ 0.25% · 3.875%
HK$21,758
−HK$576/mo
Today · 4.125%
HK$22,334
baseline
▲ 0.50% · 4.625%
HK$23,512
+HK$1,178/mo
Deposit HK$464K · loan HK$4.18M · min. income ≈ HK$44,668/mo (50% DSR)
Upfront cash ≈ HK$546K (deposit + AVD stamp duty HK$81,554 · 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).