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$10,408
−HK$653/mo
▼ 0.25% · 3.875%
HK$10,732
−HK$329/mo
Today · 4.125%
HK$11,061
baseline
▲ 0.50% · 4.625%
HK$11,734
+HK$673/mo
Deposit HK$2.28M · loan HK$2.28M · min. income ≈ HK$22,122/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$73,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,579
−HK$626/mo
▼ 0.25% · 3.875%
HK$11,889
−HK$316/mo
Today · 4.125%
HK$12,205
baseline
▲ 0.50% · 4.625%
HK$12,848
+HK$643/mo
Deposit HK$2.28M · loan HK$2.28M · min. income ≈ HK$24,410/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$73,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,490
−HK$783/mo
▼ 0.25% · 3.875%
HK$12,878
−HK$395/mo
Today · 4.125%
HK$13,273
baseline
▲ 0.50% · 4.625%
HK$14,081
+HK$808/mo
Deposit HK$1.83M · loan HK$2.74M · min. income ≈ HK$26,546/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$73,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,895
−HK$750/mo
▼ 0.25% · 3.875%
HK$14,267
−HK$378/mo
Today · 4.125%
HK$14,645
baseline
▲ 0.50% · 4.625%
HK$15,417
+HK$772/mo
Deposit HK$1.83M · loan HK$2.74M · min. income ≈ HK$29,290/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$73,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,571
−HK$914/mo
▼ 0.25% · 3.875%
HK$15,025
−HK$460/mo
Today · 4.125%
HK$15,485
baseline
▲ 0.50% · 4.625%
HK$16,427
+HK$942/mo
Deposit HK$1.37M · loan HK$3.20M · min. income ≈ HK$30,970/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$73,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,211
−HK$875/mo
▼ 0.25% · 3.875%
HK$16,645
−HK$441/mo
Today · 4.125%
HK$17,086
baseline
▲ 0.50% · 4.625%
HK$17,987
+HK$901/mo
Deposit HK$1.37M · loan HK$3.20M · min. income ≈ HK$34,172/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$73,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,735
−HK$1,174/mo
▼ 0.25% · 3.875%
HK$19,317
−HK$592/mo
Today · 4.125%
HK$19,909
baseline
▲ 0.50% · 4.625%
HK$21,121
+HK$1,212/mo
Deposit HK$456K · loan HK$4.11M · min. income ≈ HK$39,818/mo (50% DSR)
Upfront cash ≈ HK$530K (deposit + AVD stamp duty HK$73,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,842
−HK$1,126/mo
▼ 0.25% · 3.875%
HK$21,401
−HK$567/mo
Today · 4.125%
HK$21,968
baseline
▲ 0.50% · 4.625%
HK$23,126
+HK$1,158/mo
Deposit HK$456K · loan HK$4.11M · min. income ≈ HK$43,936/mo (50% DSR)
Upfront cash ≈ HK$530K (deposit + AVD stamp duty HK$73,946 · 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).