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$10,446
−HK$655/mo
▼ 0.25% · 3.875%
HK$10,771
−HK$330/mo
Today · 4.125%
HK$11,101
baseline
▲ 0.50% · 4.625%
HK$11,777
+HK$676/mo
Deposit HK$2.29M · loan HK$2.29M · min. income ≈ HK$22,202/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$75,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,621
−HK$628/mo
▼ 0.25% · 3.875%
HK$11,933
−HK$316/mo
Today · 4.125%
HK$12,249
baseline
▲ 0.50% · 4.625%
HK$12,895
+HK$646/mo
Deposit HK$2.29M · loan HK$2.29M · min. income ≈ HK$24,498/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$75,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,535
−HK$786/mo
▼ 0.25% · 3.875%
HK$12,925
−HK$396/mo
Today · 4.125%
HK$13,321
baseline
▲ 0.50% · 4.625%
HK$14,132
+HK$811/mo
Deposit HK$1.83M · loan HK$2.75M · min. income ≈ HK$26,642/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$75,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,945
−HK$754/mo
▼ 0.25% · 3.875%
HK$14,319
−HK$380/mo
Today · 4.125%
HK$14,699
baseline
▲ 0.50% · 4.625%
HK$15,474
+HK$775/mo
Deposit HK$1.83M · loan HK$2.75M · min. income ≈ HK$29,398/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$75,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,624
−HK$917/mo
▼ 0.25% · 3.875%
HK$15,079
−HK$462/mo
Today · 4.125%
HK$15,541
baseline
▲ 0.50% · 4.625%
HK$16,487
+HK$946/mo
Deposit HK$1.37M · loan HK$3.21M · min. income ≈ HK$31,082/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$75,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,270
−HK$879/mo
▼ 0.25% · 3.875%
HK$16,706
−HK$443/mo
Today · 4.125%
HK$17,149
baseline
▲ 0.50% · 4.625%
HK$18,052
+HK$903/mo
Deposit HK$1.37M · loan HK$3.21M · min. income ≈ HK$34,298/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$75,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,803
−HK$1,179/mo
▼ 0.25% · 3.875%
HK$19,388
−HK$594/mo
Today · 4.125%
HK$19,982
baseline
▲ 0.50% · 4.625%
HK$21,198
+HK$1,216/mo
Deposit HK$458K · loan HK$4.12M · min. income ≈ HK$39,964/mo (50% DSR)
Upfront cash ≈ HK$534K (deposit + AVD stamp duty HK$75,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,918
−HK$1,130/mo
▼ 0.25% · 3.875%
HK$21,479
−HK$569/mo
Today · 4.125%
HK$22,048
baseline
▲ 0.50% · 4.625%
HK$23,210
+HK$1,162/mo
Deposit HK$458K · loan HK$4.12M · min. income ≈ HK$44,096/mo (50% DSR)
Upfront cash ≈ HK$534K (deposit + AVD stamp duty HK$75,607 · 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).