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$10,338
−HK$648/mo
▼ 0.25% · 3.875%
HK$10,659
−HK$327/mo
Today · 4.125%
HK$10,986
baseline
▲ 0.50% · 4.625%
HK$11,654
+HK$668/mo
Deposit HK$2.27M · loan HK$2.27M · min. income ≈ HK$21,972/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$70,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,501
−HK$621/mo
▼ 0.25% · 3.875%
HK$11,809
−HK$313/mo
Today · 4.125%
HK$12,122
baseline
▲ 0.50% · 4.625%
HK$12,761
+HK$639/mo
Deposit HK$2.27M · loan HK$2.27M · min. income ≈ HK$24,244/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$70,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,405
−HK$778/mo
▼ 0.25% · 3.875%
HK$12,791
−HK$392/mo
Today · 4.125%
HK$13,183
baseline
▲ 0.50% · 4.625%
HK$13,985
+HK$802/mo
Deposit HK$1.81M · loan HK$2.72M · min. income ≈ HK$26,366/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$70,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,801
−HK$745/mo
▼ 0.25% · 3.875%
HK$14,171
−HK$375/mo
Today · 4.125%
HK$14,546
baseline
▲ 0.50% · 4.625%
HK$15,313
+HK$767/mo
Deposit HK$1.81M · loan HK$2.72M · min. income ≈ HK$29,092/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$70,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,473
−HK$907/mo
▼ 0.25% · 3.875%
HK$14,923
−HK$457/mo
Today · 4.125%
HK$15,380
baseline
▲ 0.50% · 4.625%
HK$16,316
+HK$936/mo
Deposit HK$1.36M · loan HK$3.17M · min. income ≈ HK$30,760/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$70,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,101
−HK$870/mo
▼ 0.25% · 3.875%
HK$16,533
−HK$438/mo
Today · 4.125%
HK$16,971
baseline
▲ 0.50% · 4.625%
HK$17,865
+HK$894/mo
Deposit HK$1.36M · loan HK$3.17M · min. income ≈ HK$33,942/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$70,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,608
−HK$1,167/mo
▼ 0.25% · 3.875%
HK$19,187
−HK$588/mo
Today · 4.125%
HK$19,775
baseline
▲ 0.50% · 4.625%
HK$20,978
+HK$1,203/mo
Deposit HK$453K · loan HK$4.08M · min. income ≈ HK$39,550/mo (50% DSR)
Upfront cash ≈ HK$524K (deposit + AVD stamp duty HK$70,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,701
−HK$1,119/mo
▼ 0.25% · 3.875%
HK$21,256
−HK$564/mo
Today · 4.125%
HK$21,820
baseline
▲ 0.50% · 4.625%
HK$22,970
+HK$1,150/mo
Deposit HK$453K · loan HK$4.08M · min. income ≈ HK$43,640/mo (50% DSR)
Upfront cash ≈ HK$524K (deposit + AVD stamp duty HK$70,859 · 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).