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$10,360
−HK$650/mo
▼ 0.25% · 3.875%
HK$10,682
−HK$328/mo
Today · 4.125%
HK$11,010
baseline
▲ 0.50% · 4.625%
HK$11,680
+HK$670/mo
Deposit HK$2.27M · loan HK$2.27M · min. income ≈ HK$22,020/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$71,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,526
−HK$622/mo
▼ 0.25% · 3.875%
HK$11,835
−HK$313/mo
Today · 4.125%
HK$12,148
baseline
▲ 0.50% · 4.625%
HK$12,789
+HK$641/mo
Deposit HK$2.27M · loan HK$2.27M · min. income ≈ HK$24,296/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$71,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,432
−HK$780/mo
▼ 0.25% · 3.875%
HK$12,819
−HK$393/mo
Today · 4.125%
HK$13,212
baseline
▲ 0.50% · 4.625%
HK$14,016
+HK$804/mo
Deposit HK$1.82M · loan HK$2.73M · min. income ≈ HK$26,424/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$71,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,831
−HK$747/mo
▼ 0.25% · 3.875%
HK$14,202
−HK$376/mo
Today · 4.125%
HK$14,578
baseline
▲ 0.50% · 4.625%
HK$15,346
+HK$768/mo
Deposit HK$1.82M · loan HK$2.73M · min. income ≈ HK$29,156/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$71,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,504
−HK$910/mo
▼ 0.25% · 3.875%
HK$14,955
−HK$459/mo
Today · 4.125%
HK$15,414
baseline
▲ 0.50% · 4.625%
HK$16,352
+HK$938/mo
Deposit HK$1.36M · loan HK$3.18M · min. income ≈ HK$30,828/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$71,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,136
−HK$872/mo
▼ 0.25% · 3.875%
HK$16,568
−HK$440/mo
Today · 4.125%
HK$17,008
baseline
▲ 0.50% · 4.625%
HK$17,904
+HK$896/mo
Deposit HK$1.36M · loan HK$3.18M · min. income ≈ HK$34,016/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$71,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,648
−HK$1,170/mo
▼ 0.25% · 3.875%
HK$19,228
−HK$590/mo
Today · 4.125%
HK$19,818
baseline
▲ 0.50% · 4.625%
HK$21,023
+HK$1,205/mo
Deposit HK$454K · loan HK$4.09M · min. income ≈ HK$39,636/mo (50% DSR)
Upfront cash ≈ HK$526K (deposit + AVD stamp duty HK$71,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,746
−HK$1,121/mo
▼ 0.25% · 3.875%
HK$21,302
−HK$565/mo
Today · 4.125%
HK$21,867
baseline
▲ 0.50% · 4.625%
HK$23,019
+HK$1,152/mo
Deposit HK$454K · loan HK$4.09M · min. income ≈ HK$43,734/mo (50% DSR)
Upfront cash ≈ HK$526K (deposit + AVD stamp duty HK$71,841 · 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).