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$10,183
−HK$638/mo
▼ 0.25% · 3.875%
HK$10,499
−HK$322/mo
Today · 4.125%
HK$10,821
baseline
▲ 0.50% · 4.625%
HK$11,480
+HK$659/mo
Deposit HK$2.23M · loan HK$2.23M · min. income ≈ HK$21,642/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$66,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,328
−HK$612/mo
▼ 0.25% · 3.875%
HK$11,632
−HK$308/mo
Today · 4.125%
HK$11,940
baseline
▲ 0.50% · 4.625%
HK$12,570
+HK$630/mo
Deposit HK$2.23M · loan HK$2.23M · min. income ≈ HK$23,880/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$66,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,219
−HK$767/mo
▼ 0.25% · 3.875%
HK$12,599
−HK$387/mo
Today · 4.125%
HK$12,986
baseline
▲ 0.50% · 4.625%
HK$13,776
+HK$790/mo
Deposit HK$1.79M · loan HK$2.68M · min. income ≈ HK$25,972/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$66,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,594
−HK$734/mo
▼ 0.25% · 3.875%
HK$13,958
−HK$370/mo
Today · 4.125%
HK$14,328
baseline
▲ 0.50% · 4.625%
HK$15,084
+HK$756/mo
Deposit HK$1.79M · loan HK$2.68M · min. income ≈ HK$28,656/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$66,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,256
−HK$894/mo
▼ 0.25% · 3.875%
HK$14,699
−HK$451/mo
Today · 4.125%
HK$15,150
baseline
▲ 0.50% · 4.625%
HK$16,072
+HK$922/mo
Deposit HK$1.34M · loan HK$3.13M · min. income ≈ HK$30,300/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$66,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,859
−HK$857/mo
▼ 0.25% · 3.875%
HK$16,285
−HK$431/mo
Today · 4.125%
HK$16,716
baseline
▲ 0.50% · 4.625%
HK$17,597
+HK$881/mo
Deposit HK$1.34M · loan HK$3.13M · min. income ≈ HK$33,432/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$66,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,329
−HK$1,149/mo
▼ 0.25% · 3.875%
HK$18,899
−HK$579/mo
Today · 4.125%
HK$19,478
baseline
▲ 0.50% · 4.625%
HK$20,663
+HK$1,185/mo
Deposit HK$447K · loan HK$4.02M · min. income ≈ HK$38,956/mo (50% DSR)
Upfront cash ≈ HK$514K (deposit + AVD stamp duty HK$66,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,391
−HK$1,101/mo
▼ 0.25% · 3.875%
HK$20,938
−HK$554/mo
Today · 4.125%
HK$21,492
baseline
▲ 0.50% · 4.625%
HK$22,625
+HK$1,133/mo
Deposit HK$447K · loan HK$4.02M · min. income ≈ HK$42,984/mo (50% DSR)
Upfront cash ≈ HK$514K (deposit + AVD stamp duty HK$66,985 · 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).