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$10,398
−HK$652/mo
▼ 0.25% · 3.875%
HK$10,722
−HK$328/mo
Today · 4.125%
HK$11,050
baseline
▲ 0.50% · 4.625%
HK$11,723
+HK$673/mo
Deposit HK$2.28M · loan HK$2.28M · min. income ≈ HK$22,100/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$73,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,568
−HK$625/mo
▼ 0.25% · 3.875%
HK$11,878
−HK$315/mo
Today · 4.125%
HK$12,193
baseline
▲ 0.50% · 4.625%
HK$12,836
+HK$643/mo
Deposit HK$2.28M · loan HK$2.28M · min. income ≈ HK$24,386/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$73,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,478
−HK$782/mo
▼ 0.25% · 3.875%
HK$12,866
−HK$394/mo
Today · 4.125%
HK$13,260
baseline
▲ 0.50% · 4.625%
HK$14,067
+HK$807/mo
Deposit HK$1.82M · loan HK$2.74M · min. income ≈ HK$26,520/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$73,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,882
−HK$750/mo
▼ 0.25% · 3.875%
HK$14,254
−HK$378/mo
Today · 4.125%
HK$14,632
baseline
▲ 0.50% · 4.625%
HK$15,403
+HK$771/mo
Deposit HK$1.82M · loan HK$2.74M · min. income ≈ HK$29,264/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$73,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,558
−HK$912/mo
▼ 0.25% · 3.875%
HK$15,010
−HK$460/mo
Today · 4.125%
HK$15,470
baseline
▲ 0.50% · 4.625%
HK$16,412
+HK$942/mo
Deposit HK$1.37M · loan HK$3.19M · min. income ≈ HK$30,940/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$73,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,195
−HK$875/mo
▼ 0.25% · 3.875%
HK$16,630
−HK$440/mo
Today · 4.125%
HK$17,070
baseline
▲ 0.50% · 4.625%
HK$17,970
+HK$900/mo
Deposit HK$1.37M · loan HK$3.19M · min. income ≈ HK$34,140/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$73,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,717
−HK$1,174/mo
▼ 0.25% · 3.875%
HK$19,299
−HK$592/mo
Today · 4.125%
HK$19,891
baseline
▲ 0.50% · 4.625%
HK$21,101
+HK$1,210/mo
Deposit HK$456K · loan HK$4.10M · min. income ≈ HK$39,782/mo (50% DSR)
Upfront cash ≈ HK$530K (deposit + AVD stamp duty HK$73,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,822
−HK$1,125/mo
▼ 0.25% · 3.875%
HK$21,381
−HK$566/mo
Today · 4.125%
HK$21,947
baseline
▲ 0.50% · 4.625%
HK$23,104
+HK$1,157/mo
Deposit HK$456K · loan HK$4.10M · min. income ≈ HK$43,894/mo (50% DSR)
Upfront cash ≈ HK$530K (deposit + AVD stamp duty HK$73,514 · 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).