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$10,337
−HK$648/mo
▼ 0.25% · 3.875%
HK$10,658
−HK$327/mo
Today · 4.125%
HK$10,985
baseline
▲ 0.50% · 4.625%
HK$11,653
+HK$668/mo
Deposit HK$2.27M · loan HK$2.27M · min. income ≈ HK$21,970/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$70,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,499
−HK$622/mo
▼ 0.25% · 3.875%
HK$11,808
−HK$313/mo
Today · 4.125%
HK$12,121
baseline
▲ 0.50% · 4.625%
HK$12,759
+HK$638/mo
Deposit HK$2.27M · loan HK$2.27M · min. income ≈ HK$24,242/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$70,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,404
−HK$778/mo
▼ 0.25% · 3.875%
HK$12,790
−HK$392/mo
Today · 4.125%
HK$13,182
baseline
▲ 0.50% · 4.625%
HK$13,984
+HK$802/mo
Deposit HK$1.81M · loan HK$2.72M · min. income ≈ HK$26,364/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$70,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,799
−HK$746/mo
▼ 0.25% · 3.875%
HK$14,169
−HK$376/mo
Today · 4.125%
HK$14,545
baseline
▲ 0.50% · 4.625%
HK$15,311
+HK$766/mo
Deposit HK$1.81M · loan HK$2.72M · min. income ≈ HK$29,090/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$70,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,471
−HK$908/mo
▼ 0.25% · 3.875%
HK$14,921
−HK$458/mo
Today · 4.125%
HK$15,379
baseline
▲ 0.50% · 4.625%
HK$16,314
+HK$935/mo
Deposit HK$1.36M · loan HK$3.17M · min. income ≈ HK$30,758/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$70,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,099
−HK$870/mo
▼ 0.25% · 3.875%
HK$16,531
−HK$438/mo
Today · 4.125%
HK$16,969
baseline
▲ 0.50% · 4.625%
HK$17,863
+HK$894/mo
Deposit HK$1.36M · loan HK$3.17M · min. income ≈ HK$33,938/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$70,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,606
−HK$1,166/mo
▼ 0.25% · 3.875%
HK$19,184
−HK$588/mo
Today · 4.125%
HK$19,772
baseline
▲ 0.50% · 4.625%
HK$20,976
+HK$1,204/mo
Deposit HK$453K · loan HK$4.08M · min. income ≈ HK$39,544/mo (50% DSR)
Upfront cash ≈ HK$524K (deposit + AVD stamp duty HK$70,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,699
−HK$1,118/mo
▼ 0.25% · 3.875%
HK$21,254
−HK$563/mo
Today · 4.125%
HK$21,817
baseline
▲ 0.50% · 4.625%
HK$22,967
+HK$1,150/mo
Deposit HK$453K · loan HK$4.08M · min. income ≈ HK$43,634/mo (50% DSR)
Upfront cash ≈ HK$524K (deposit + AVD stamp duty HK$70,805 · 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).