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$10,574
−HK$663/mo
▼ 0.25% · 3.875%
HK$10,902
−HK$335/mo
Today · 4.125%
HK$11,237
baseline
▲ 0.50% · 4.625%
HK$11,920
+HK$683/mo
Deposit HK$2.32M · loan HK$2.32M · min. income ≈ HK$22,474/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$81,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,763
−HK$635/mo
▼ 0.25% · 3.875%
HK$12,078
−HK$320/mo
Today · 4.125%
HK$12,398
baseline
▲ 0.50% · 4.625%
HK$13,052
+HK$654/mo
Deposit HK$2.32M · loan HK$2.32M · min. income ≈ HK$24,796/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$81,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,688
−HK$796/mo
▼ 0.25% · 3.875%
HK$13,083
−HK$401/mo
Today · 4.125%
HK$13,484
baseline
▲ 0.50% · 4.625%
HK$14,304
+HK$820/mo
Deposit HK$1.85M · loan HK$2.78M · min. income ≈ HK$26,968/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$81,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,116
−HK$762/mo
▼ 0.25% · 3.875%
HK$14,494
−HK$384/mo
Today · 4.125%
HK$14,878
baseline
▲ 0.50% · 4.625%
HK$15,662
+HK$784/mo
Deposit HK$1.85M · loan HK$2.78M · min. income ≈ HK$29,756/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$81,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,803
−HK$928/mo
▼ 0.25% · 3.875%
HK$15,263
−HK$468/mo
Today · 4.125%
HK$15,731
baseline
▲ 0.50% · 4.625%
HK$16,688
+HK$957/mo
Deposit HK$1.39M · loan HK$3.25M · min. income ≈ HK$31,462/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$81,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,468
−HK$890/mo
▼ 0.25% · 3.875%
HK$16,910
−HK$448/mo
Today · 4.125%
HK$17,358
baseline
▲ 0.50% · 4.625%
HK$18,273
+HK$915/mo
Deposit HK$1.39M · loan HK$3.25M · min. income ≈ HK$34,716/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$81,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,032
−HK$1,194/mo
▼ 0.25% · 3.875%
HK$19,624
−HK$602/mo
Today · 4.125%
HK$20,226
baseline
▲ 0.50% · 4.625%
HK$21,457
+HK$1,231/mo
Deposit HK$464K · loan HK$4.17M · min. income ≈ HK$40,452/mo (50% DSR)
Upfront cash ≈ HK$545K (deposit + AVD stamp duty HK$81,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,173
−HK$1,144/mo
▼ 0.25% · 3.875%
HK$21,741
−HK$576/mo
Today · 4.125%
HK$22,317
baseline
▲ 0.50% · 4.625%
HK$23,494
+HK$1,177/mo
Deposit HK$464K · loan HK$4.17M · min. income ≈ HK$44,634/mo (50% DSR)
Upfront cash ≈ HK$545K (deposit + AVD stamp duty HK$81,200 · 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).