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$10,445
−HK$655/mo
▼ 0.25% · 3.875%
HK$10,770
−HK$330/mo
Today · 4.125%
HK$11,100
baseline
▲ 0.50% · 4.625%
HK$11,776
+HK$676/mo
Deposit HK$2.29M · loan HK$2.29M · min. income ≈ HK$22,200/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$75,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,620
−HK$628/mo
▼ 0.25% · 3.875%
HK$11,932
−HK$316/mo
Today · 4.125%
HK$12,248
baseline
▲ 0.50% · 4.625%
HK$12,894
+HK$646/mo
Deposit HK$2.29M · loan HK$2.29M · min. income ≈ HK$24,496/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$75,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,534
−HK$786/mo
▼ 0.25% · 3.875%
HK$12,924
−HK$396/mo
Today · 4.125%
HK$13,320
baseline
▲ 0.50% · 4.625%
HK$14,131
+HK$811/mo
Deposit HK$1.83M · loan HK$2.75M · min. income ≈ HK$26,640/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$75,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,944
−HK$754/mo
▼ 0.25% · 3.875%
HK$14,318
−HK$380/mo
Today · 4.125%
HK$14,698
baseline
▲ 0.50% · 4.625%
HK$15,472
+HK$774/mo
Deposit HK$1.83M · loan HK$2.75M · min. income ≈ HK$29,396/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$75,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,623
−HK$917/mo
▼ 0.25% · 3.875%
HK$15,078
−HK$462/mo
Today · 4.125%
HK$15,540
baseline
▲ 0.50% · 4.625%
HK$16,486
+HK$946/mo
Deposit HK$1.37M · loan HK$3.21M · min. income ≈ HK$31,080/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$75,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,268
−HK$879/mo
▼ 0.25% · 3.875%
HK$16,705
−HK$442/mo
Today · 4.125%
HK$17,147
baseline
▲ 0.50% · 4.625%
HK$18,051
+HK$904/mo
Deposit HK$1.37M · loan HK$3.21M · min. income ≈ HK$34,294/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$75,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,802
−HK$1,179/mo
▼ 0.25% · 3.875%
HK$19,386
−HK$595/mo
Today · 4.125%
HK$19,981
baseline
▲ 0.50% · 4.625%
HK$21,196
+HK$1,215/mo
Deposit HK$458K · loan HK$4.12M · min. income ≈ HK$39,962/mo (50% DSR)
Upfront cash ≈ HK$534K (deposit + AVD stamp duty HK$75,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,916
−HK$1,131/mo
▼ 0.25% · 3.875%
HK$21,477
−HK$570/mo
Today · 4.125%
HK$22,047
baseline
▲ 0.50% · 4.625%
HK$23,209
+HK$1,162/mo
Deposit HK$458K · loan HK$4.12M · min. income ≈ HK$44,094/mo (50% DSR)
Upfront cash ≈ HK$534K (deposit + AVD stamp duty HK$75,575 · 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).