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$10,304
−HK$646/mo
▼ 0.25% · 3.875%
HK$10,624
−HK$326/mo
Today · 4.125%
HK$10,950
baseline
▲ 0.50% · 4.625%
HK$11,616
+HK$666/mo
Deposit HK$2.26M · loan HK$2.26M · min. income ≈ HK$21,900/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$69,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,463
−HK$619/mo
▼ 0.25% · 3.875%
HK$11,771
−HK$311/mo
Today · 4.125%
HK$12,082
baseline
▲ 0.50% · 4.625%
HK$12,719
+HK$637/mo
Deposit HK$2.26M · loan HK$2.26M · min. income ≈ HK$24,164/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$69,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,365
−HK$775/mo
▼ 0.25% · 3.875%
HK$12,749
−HK$391/mo
Today · 4.125%
HK$13,140
baseline
▲ 0.50% · 4.625%
HK$13,940
+HK$800/mo
Deposit HK$1.81M · loan HK$2.71M · min. income ≈ HK$26,280/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$69,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,756
−HK$743/mo
▼ 0.25% · 3.875%
HK$14,125
−HK$374/mo
Today · 4.125%
HK$14,499
baseline
▲ 0.50% · 4.625%
HK$15,263
+HK$764/mo
Deposit HK$1.81M · loan HK$2.71M · min. income ≈ HK$28,998/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$69,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,426
−HK$904/mo
▼ 0.25% · 3.875%
HK$14,874
−HK$456/mo
Today · 4.125%
HK$15,330
baseline
▲ 0.50% · 4.625%
HK$16,263
+HK$933/mo
Deposit HK$1.36M · loan HK$3.16M · min. income ≈ HK$30,660/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$69,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,048
−HK$867/mo
▼ 0.25% · 3.875%
HK$16,479
−HK$436/mo
Today · 4.125%
HK$16,915
baseline
▲ 0.50% · 4.625%
HK$17,807
+HK$892/mo
Deposit HK$1.36M · loan HK$3.16M · min. income ≈ HK$33,830/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$69,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,547
−HK$1,163/mo
▼ 0.25% · 3.875%
HK$19,124
−HK$586/mo
Today · 4.125%
HK$19,710
baseline
▲ 0.50% · 4.625%
HK$20,910
+HK$1,200/mo
Deposit HK$452K · loan HK$4.07M · min. income ≈ HK$39,420/mo (50% DSR)
Upfront cash ≈ HK$521K (deposit + AVD stamp duty HK$69,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,634
−HK$1,114/mo
▼ 0.25% · 3.875%
HK$21,187
−HK$561/mo
Today · 4.125%
HK$21,748
baseline
▲ 0.50% · 4.625%
HK$22,895
+HK$1,147/mo
Deposit HK$452K · loan HK$4.07M · min. income ≈ HK$43,496/mo (50% DSR)
Upfront cash ≈ HK$521K (deposit + AVD stamp duty HK$69,379 · 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).