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$10,425
−HK$654/mo
▼ 0.25% · 3.875%
HK$10,749
−HK$330/mo
Today · 4.125%
HK$11,079
baseline
▲ 0.50% · 4.625%
HK$11,753
+HK$674/mo
Deposit HK$2.29M · loan HK$2.29M · min. income ≈ HK$22,158/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$74,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,598
−HK$626/mo
▼ 0.25% · 3.875%
HK$11,909
−HK$315/mo
Today · 4.125%
HK$12,224
baseline
▲ 0.50% · 4.625%
HK$12,869
+HK$645/mo
Deposit HK$2.29M · loan HK$2.29M · min. income ≈ HK$24,448/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$74,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,510
−HK$785/mo
▼ 0.25% · 3.875%
HK$12,899
−HK$396/mo
Today · 4.125%
HK$13,295
baseline
▲ 0.50% · 4.625%
HK$14,104
+HK$809/mo
Deposit HK$1.83M · loan HK$2.74M · min. income ≈ HK$26,590/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$74,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,917
−HK$752/mo
▼ 0.25% · 3.875%
HK$14,291
−HK$378/mo
Today · 4.125%
HK$14,669
baseline
▲ 0.50% · 4.625%
HK$15,442
+HK$773/mo
Deposit HK$1.83M · loan HK$2.74M · min. income ≈ HK$29,338/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$74,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,595
−HK$915/mo
▼ 0.25% · 3.875%
HK$15,049
−HK$461/mo
Today · 4.125%
HK$15,510
baseline
▲ 0.50% · 4.625%
HK$16,454
+HK$944/mo
Deposit HK$1.37M · loan HK$3.20M · min. income ≈ HK$31,020/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$74,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,237
−HK$877/mo
▼ 0.25% · 3.875%
HK$16,672
−HK$442/mo
Today · 4.125%
HK$17,114
baseline
▲ 0.50% · 4.625%
HK$18,016
+HK$902/mo
Deposit HK$1.37M · loan HK$3.20M · min. income ≈ HK$34,228/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$74,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,765
−HK$1,177/mo
▼ 0.25% · 3.875%
HK$19,349
−HK$593/mo
Today · 4.125%
HK$19,942
baseline
▲ 0.50% · 4.625%
HK$21,155
+HK$1,213/mo
Deposit HK$457K · loan HK$4.11M · min. income ≈ HK$39,884/mo (50% DSR)
Upfront cash ≈ HK$532K (deposit + AVD stamp duty HK$74,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,876
−HK$1,128/mo
▼ 0.25% · 3.875%
HK$21,436
−HK$568/mo
Today · 4.125%
HK$22,004
baseline
▲ 0.50% · 4.625%
HK$23,164
+HK$1,160/mo
Deposit HK$457K · loan HK$4.11M · min. income ≈ HK$44,008/mo (50% DSR)
Upfront cash ≈ HK$532K (deposit + AVD stamp duty HK$74,689 · 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).