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$10,487
−HK$322/mo
Today · 4.125%
HK$10,809
baseline
▲ 0.50% · 4.625%
HK$11,466
+HK$657/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$66,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,315
−HK$611/mo
▼ 0.25% · 3.875%
HK$11,618
−HK$308/mo
Today · 4.125%
HK$11,926
baseline
▲ 0.50% · 4.625%
HK$12,555
+HK$629/mo
Deposit HK$2.23M · loan HK$2.23M · min. income ≈ HK$23,852/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$66,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,205
−HK$765/mo
▼ 0.25% · 3.875%
HK$12,585
−HK$385/mo
Today · 4.125%
HK$12,970
baseline
▲ 0.50% · 4.625%
HK$13,760
+HK$790/mo
Deposit HK$1.78M · loan HK$2.68M · min. income ≈ HK$25,940/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$66,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,578
−HK$734/mo
▼ 0.25% · 3.875%
HK$13,942
−HK$370/mo
Today · 4.125%
HK$14,312
baseline
▲ 0.50% · 4.625%
HK$15,066
+HK$754/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$66,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,239
−HK$893/mo
▼ 0.25% · 3.875%
HK$14,682
−HK$450/mo
Today · 4.125%
HK$15,132
baseline
▲ 0.50% · 4.625%
HK$16,053
+HK$921/mo
Deposit HK$1.34M · loan HK$3.12M · min. income ≈ HK$30,264/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$66,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,841
−HK$856/mo
▼ 0.25% · 3.875%
HK$16,266
−HK$431/mo
Today · 4.125%
HK$16,697
baseline
▲ 0.50% · 4.625%
HK$17,577
+HK$880/mo
Deposit HK$1.34M · loan HK$3.12M · min. income ≈ HK$33,394/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$66,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,308
−HK$1,148/mo
▼ 0.25% · 3.875%
HK$18,877
−HK$579/mo
Today · 4.125%
HK$19,456
baseline
▲ 0.50% · 4.625%
HK$20,639
+HK$1,183/mo
Deposit HK$446K · loan HK$4.01M · min. income ≈ HK$38,912/mo (50% DSR)
Upfront cash ≈ HK$513K (deposit + AVD stamp duty HK$66,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,367
−HK$1,100/mo
▼ 0.25% · 3.875%
HK$20,913
−HK$554/mo
Today · 4.125%
HK$21,467
baseline
▲ 0.50% · 4.625%
HK$22,599
+HK$1,132/mo
Deposit HK$446K · loan HK$4.01M · min. income ≈ HK$42,934/mo (50% DSR)
Upfront cash ≈ HK$513K (deposit + AVD stamp duty HK$66,907 · 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).