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$10,482
−HK$658/mo
▼ 0.25% · 3.875%
HK$10,808
−HK$332/mo
Today · 4.125%
HK$11,140
baseline
▲ 0.50% · 4.625%
HK$11,817
+HK$677/mo
Deposit HK$2.30M · loan HK$2.30M · min. income ≈ HK$22,280/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$77,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,661
−HK$630/mo
▼ 0.25% · 3.875%
HK$11,974
−HK$317/mo
Today · 4.125%
HK$12,291
baseline
▲ 0.50% · 4.625%
HK$12,939
+HK$648/mo
Deposit HK$2.30M · loan HK$2.30M · min. income ≈ HK$24,582/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$77,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,579
−HK$789/mo
▼ 0.25% · 3.875%
HK$12,970
−HK$398/mo
Today · 4.125%
HK$13,368
baseline
▲ 0.50% · 4.625%
HK$14,181
+HK$813/mo
Deposit HK$1.84M · loan HK$2.76M · min. income ≈ HK$26,736/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$77,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,994
−HK$756/mo
▼ 0.25% · 3.875%
HK$14,369
−HK$381/mo
Today · 4.125%
HK$14,750
baseline
▲ 0.50% · 4.625%
HK$15,527
+HK$777/mo
Deposit HK$1.84M · loan HK$2.76M · min. income ≈ HK$29,500/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$77,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,675
−HK$920/mo
▼ 0.25% · 3.875%
HK$15,132
−HK$463/mo
Today · 4.125%
HK$15,595
baseline
▲ 0.50% · 4.625%
HK$16,544
+HK$949/mo
Deposit HK$1.38M · loan HK$3.22M · min. income ≈ HK$31,190/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$77,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,326
−HK$882/mo
▼ 0.25% · 3.875%
HK$16,764
−HK$444/mo
Today · 4.125%
HK$17,208
baseline
▲ 0.50% · 4.625%
HK$18,115
+HK$907/mo
Deposit HK$1.38M · loan HK$3.22M · min. income ≈ HK$34,416/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$77,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,868
−HK$1,183/mo
▼ 0.25% · 3.875%
HK$19,455
−HK$596/mo
Today · 4.125%
HK$20,051
baseline
▲ 0.50% · 4.625%
HK$21,271
+HK$1,220/mo
Deposit HK$460K · loan HK$4.14M · min. income ≈ HK$40,102/mo (50% DSR)
Upfront cash ≈ HK$537K (deposit + AVD stamp duty HK$77,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,991
−HK$1,134/mo
▼ 0.25% · 3.875%
HK$21,554
−HK$571/mo
Today · 4.125%
HK$22,125
baseline
▲ 0.50% · 4.625%
HK$23,291
+HK$1,166/mo
Deposit HK$460K · loan HK$4.14M · min. income ≈ HK$44,250/mo (50% DSR)
Upfront cash ≈ HK$537K (deposit + AVD stamp duty HK$77,198 · 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).