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$10,233
−HK$642/mo
▼ 0.25% · 3.875%
HK$10,552
−HK$323/mo
Today · 4.125%
HK$10,875
baseline
▲ 0.50% · 4.625%
HK$11,537
+HK$662/mo
Deposit HK$2.24M · loan HK$2.24M · min. income ≈ HK$21,750/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$67,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,384
−HK$615/mo
▼ 0.25% · 3.875%
HK$11,690
−HK$309/mo
Today · 4.125%
HK$11,999
baseline
▲ 0.50% · 4.625%
HK$12,632
+HK$633/mo
Deposit HK$2.24M · loan HK$2.24M · min. income ≈ HK$23,998/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$67,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,280
−HK$770/mo
▼ 0.25% · 3.875%
HK$12,662
−HK$388/mo
Today · 4.125%
HK$13,050
baseline
▲ 0.50% · 4.625%
HK$13,844
+HK$794/mo
Deposit HK$1.80M · loan HK$2.69M · min. income ≈ HK$26,100/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$67,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,661
−HK$738/mo
▼ 0.25% · 3.875%
HK$14,028
−HK$371/mo
Today · 4.125%
HK$14,399
baseline
▲ 0.50% · 4.625%
HK$15,158
+HK$759/mo
Deposit HK$1.80M · loan HK$2.69M · min. income ≈ HK$28,798/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$67,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,327
−HK$898/mo
▼ 0.25% · 3.875%
HK$14,772
−HK$453/mo
Today · 4.125%
HK$15,225
baseline
▲ 0.50% · 4.625%
HK$16,151
+HK$926/mo
Deposit HK$1.35M · loan HK$3.14M · min. income ≈ HK$30,450/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$67,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,938
−HK$861/mo
▼ 0.25% · 3.875%
HK$16,366
−HK$433/mo
Today · 4.125%
HK$16,799
baseline
▲ 0.50% · 4.625%
HK$17,685
+HK$886/mo
Deposit HK$1.35M · loan HK$3.14M · min. income ≈ HK$33,598/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$67,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,420
−HK$1,155/mo
▼ 0.25% · 3.875%
HK$18,993
−HK$582/mo
Today · 4.125%
HK$19,575
baseline
▲ 0.50% · 4.625%
HK$20,766
+HK$1,191/mo
Deposit HK$449K · loan HK$4.04M · min. income ≈ HK$39,150/mo (50% DSR)
Upfront cash ≈ HK$516K (deposit + AVD stamp duty HK$67,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,492
−HK$1,107/mo
▼ 0.25% · 3.875%
HK$21,042
−HK$557/mo
Today · 4.125%
HK$21,599
baseline
▲ 0.50% · 4.625%
HK$22,738
+HK$1,139/mo
Deposit HK$449K · loan HK$4.04M · min. income ≈ HK$43,198/mo (50% DSR)
Upfront cash ≈ HK$516K (deposit + AVD stamp duty HK$67,317 · 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).