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$10,334
−HK$648/mo
▼ 0.25% · 3.875%
HK$10,656
−HK$326/mo
Today · 4.125%
HK$10,982
baseline
▲ 0.50% · 4.625%
HK$11,650
+HK$668/mo
Deposit HK$2.27M · loan HK$2.27M · min. income ≈ HK$21,964/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$70,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,497
−HK$621/mo
▼ 0.25% · 3.875%
HK$11,805
−HK$313/mo
Today · 4.125%
HK$12,118
baseline
▲ 0.50% · 4.625%
HK$12,756
+HK$638/mo
Deposit HK$2.27M · loan HK$2.27M · min. income ≈ HK$24,236/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$70,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,401
−HK$778/mo
▼ 0.25% · 3.875%
HK$12,787
−HK$392/mo
Today · 4.125%
HK$13,179
baseline
▲ 0.50% · 4.625%
HK$13,980
+HK$801/mo
Deposit HK$1.81M · loan HK$2.72M · min. income ≈ HK$26,358/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$70,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,796
−HK$745/mo
▼ 0.25% · 3.875%
HK$14,166
−HK$375/mo
Today · 4.125%
HK$14,541
baseline
▲ 0.50% · 4.625%
HK$15,308
+HK$767/mo
Deposit HK$1.81M · loan HK$2.72M · min. income ≈ HK$29,082/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$70,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,468
−HK$907/mo
▼ 0.25% · 3.875%
HK$14,918
−HK$457/mo
Today · 4.125%
HK$15,375
baseline
▲ 0.50% · 4.625%
HK$16,311
+HK$936/mo
Deposit HK$1.36M · loan HK$3.17M · min. income ≈ HK$30,750/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$70,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,095
−HK$870/mo
▼ 0.25% · 3.875%
HK$16,527
−HK$438/mo
Today · 4.125%
HK$16,965
baseline
▲ 0.50% · 4.625%
HK$17,859
+HK$894/mo
Deposit HK$1.36M · loan HK$3.17M · min. income ≈ HK$33,930/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$70,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,601
−HK$1,167/mo
▼ 0.25% · 3.875%
HK$19,180
−HK$588/mo
Today · 4.125%
HK$19,768
baseline
▲ 0.50% · 4.625%
HK$20,971
+HK$1,203/mo
Deposit HK$453K · loan HK$4.08M · min. income ≈ HK$39,536/mo (50% DSR)
Upfront cash ≈ HK$524K (deposit + AVD stamp duty HK$70,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,694
−HK$1,118/mo
▼ 0.25% · 3.875%
HK$21,249
−HK$563/mo
Today · 4.125%
HK$21,812
baseline
▲ 0.50% · 4.625%
HK$22,962
+HK$1,150/mo
Deposit HK$453K · loan HK$4.08M · min. income ≈ HK$43,624/mo (50% DSR)
Upfront cash ≈ HK$524K (deposit + AVD stamp duty HK$70,701 · 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).