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$10,171
−HK$638/mo
▼ 0.25% · 3.875%
HK$10,488
−HK$321/mo
Today · 4.125%
HK$10,809
baseline
▲ 0.50% · 4.625%
HK$11,467
+HK$658/mo
Deposit HK$2.23M · loan HK$2.23M · min. income ≈ HK$21,618/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$66,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,316
−HK$611/mo
▼ 0.25% · 3.875%
HK$11,619
−HK$308/mo
Today · 4.125%
HK$11,927
baseline
▲ 0.50% · 4.625%
HK$12,556
+HK$629/mo
Deposit HK$2.23M · loan HK$2.23M · min. income ≈ HK$23,854/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$66,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,206
−HK$765/mo
▼ 0.25% · 3.875%
HK$12,585
−HK$386/mo
Today · 4.125%
HK$12,971
baseline
▲ 0.50% · 4.625%
HK$13,760
+HK$789/mo
Deposit HK$1.78M · loan HK$2.68M · min. income ≈ HK$25,942/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$66,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,579
−HK$733/mo
▼ 0.25% · 3.875%
HK$13,943
−HK$369/mo
Today · 4.125%
HK$14,312
baseline
▲ 0.50% · 4.625%
HK$15,067
+HK$755/mo
Deposit HK$1.78M · loan HK$2.68M · min. income ≈ HK$28,624/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$66,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,240
−HK$893/mo
▼ 0.25% · 3.875%
HK$14,683
−HK$450/mo
Today · 4.125%
HK$15,133
baseline
▲ 0.50% · 4.625%
HK$16,054
+HK$921/mo
Deposit HK$1.34M · loan HK$3.12M · min. income ≈ HK$30,266/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$66,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,842
−HK$856/mo
▼ 0.25% · 3.875%
HK$16,267
−HK$431/mo
Today · 4.125%
HK$16,698
baseline
▲ 0.50% · 4.625%
HK$17,578
+HK$880/mo
Deposit HK$1.34M · loan HK$3.12M · min. income ≈ HK$33,396/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$66,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,309
−HK$1,148/mo
▼ 0.25% · 3.875%
HK$18,878
−HK$579/mo
Today · 4.125%
HK$19,457
baseline
▲ 0.50% · 4.625%
HK$20,641
+HK$1,184/mo
Deposit HK$446K · loan HK$4.01M · min. income ≈ HK$38,914/mo (50% DSR)
Upfront cash ≈ HK$513K (deposit + AVD stamp duty HK$66,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,368
−HK$1,101/mo
▼ 0.25% · 3.875%
HK$20,914
−HK$555/mo
Today · 4.125%
HK$21,469
baseline
▲ 0.50% · 4.625%
HK$22,600
+HK$1,131/mo
Deposit HK$446K · loan HK$4.01M · min. income ≈ HK$42,938/mo (50% DSR)
Upfront cash ≈ HK$513K (deposit + AVD stamp duty HK$66,910 · 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).