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$10,005
−HK$627/mo
▼ 0.25% · 3.875%
HK$10,316
−HK$316/mo
Today · 4.125%
HK$10,632
baseline
▲ 0.50% · 4.625%
HK$11,279
+HK$647/mo
Deposit HK$2.19M · loan HK$2.19M · min. income ≈ HK$21,264/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$65,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,130
−HK$601/mo
▼ 0.25% · 3.875%
HK$11,429
−HK$302/mo
Today · 4.125%
HK$11,731
baseline
▲ 0.50% · 4.625%
HK$12,350
+HK$619/mo
Deposit HK$2.19M · loan HK$2.19M · min. income ≈ HK$23,462/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$65,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,006
−HK$752/mo
▼ 0.25% · 3.875%
HK$12,379
−HK$379/mo
Today · 4.125%
HK$12,758
baseline
▲ 0.50% · 4.625%
HK$13,535
+HK$777/mo
Deposit HK$1.75M · loan HK$2.63M · min. income ≈ HK$25,516/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$65,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,356
−HK$722/mo
▼ 0.25% · 3.875%
HK$13,714
−HK$364/mo
Today · 4.125%
HK$14,078
baseline
▲ 0.50% · 4.625%
HK$14,820
+HK$742/mo
Deposit HK$1.75M · loan HK$2.63M · min. income ≈ HK$28,156/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$65,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,006
−HK$879/mo
▼ 0.25% · 3.875%
HK$14,442
−HK$443/mo
Today · 4.125%
HK$14,885
baseline
▲ 0.50% · 4.625%
HK$15,790
+HK$905/mo
Deposit HK$1.32M · loan HK$3.07M · min. income ≈ HK$29,770/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$65,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,582
−HK$842/mo
▼ 0.25% · 3.875%
HK$16,000
−HK$424/mo
Today · 4.125%
HK$16,424
baseline
▲ 0.50% · 4.625%
HK$17,290
+HK$866/mo
Deposit HK$1.32M · loan HK$3.07M · min. income ≈ HK$32,848/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$65,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,008
−HK$1,130/mo
▼ 0.25% · 3.875%
HK$18,568
−HK$570/mo
Today · 4.125%
HK$19,138
baseline
▲ 0.50% · 4.625%
HK$20,302
+HK$1,164/mo
Deposit HK$439K · loan HK$3.95M · min. income ≈ HK$38,276/mo (50% DSR)
Upfront cash ≈ HK$505K (deposit + AVD stamp duty HK$65,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,034
−HK$1,082/mo
▼ 0.25% · 3.875%
HK$20,571
−HK$545/mo
Today · 4.125%
HK$21,116
baseline
▲ 0.50% · 4.625%
HK$22,229
+HK$1,113/mo
Deposit HK$439K · loan HK$3.95M · min. income ≈ HK$42,232/mo (50% DSR)
Upfront cash ≈ HK$505K (deposit + AVD stamp duty HK$65,813 · 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).