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$10,150
−HK$636/mo
▼ 0.25% · 3.875%
HK$10,465
−HK$321/mo
Today · 4.125%
HK$10,786
baseline
▲ 0.50% · 4.625%
HK$11,442
+HK$656/mo
Deposit HK$2.23M · loan HK$2.23M · min. income ≈ HK$21,572/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$66,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,291
−HK$610/mo
▼ 0.25% · 3.875%
HK$11,594
−HK$307/mo
Today · 4.125%
HK$11,901
baseline
▲ 0.50% · 4.625%
HK$12,529
+HK$628/mo
Deposit HK$2.23M · loan HK$2.23M · min. income ≈ HK$23,802/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$66,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,180
−HK$763/mo
▼ 0.25% · 3.875%
HK$12,558
−HK$385/mo
Today · 4.125%
HK$12,943
baseline
▲ 0.50% · 4.625%
HK$13,731
+HK$788/mo
Deposit HK$1.78M · loan HK$2.67M · min. income ≈ HK$25,886/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$66,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,550
−HK$732/mo
▼ 0.25% · 3.875%
HK$13,913
−HK$369/mo
Today · 4.125%
HK$14,282
baseline
▲ 0.50% · 4.625%
HK$15,035
+HK$753/mo
Deposit HK$1.78M · loan HK$2.67M · min. income ≈ HK$28,564/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$66,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,210
−HK$891/mo
▼ 0.25% · 3.875%
HK$14,652
−HK$449/mo
Today · 4.125%
HK$15,101
baseline
▲ 0.50% · 4.625%
HK$16,019
+HK$918/mo
Deposit HK$1.34M · loan HK$3.12M · min. income ≈ HK$30,202/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$66,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,808
−HK$854/mo
▼ 0.25% · 3.875%
HK$16,232
−HK$430/mo
Today · 4.125%
HK$16,662
baseline
▲ 0.50% · 4.625%
HK$17,540
+HK$878/mo
Deposit HK$1.34M · loan HK$3.12M · min. income ≈ HK$33,324/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$66,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,269
−HK$1,146/mo
▼ 0.25% · 3.875%
HK$18,838
−HK$577/mo
Today · 4.125%
HK$19,415
baseline
▲ 0.50% · 4.625%
HK$20,596
+HK$1,181/mo
Deposit HK$445K · loan HK$4.01M · min. income ≈ HK$38,830/mo (50% DSR)
Upfront cash ≈ HK$512K (deposit + AVD stamp duty HK$66,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,324
−HK$1,099/mo
▼ 0.25% · 3.875%
HK$20,870
−HK$553/mo
Today · 4.125%
HK$21,423
baseline
▲ 0.50% · 4.625%
HK$22,552
+HK$1,129/mo
Deposit HK$445K · loan HK$4.01M · min. income ≈ HK$42,846/mo (50% DSR)
Upfront cash ≈ HK$512K (deposit + AVD stamp duty HK$66,767 · 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).