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$10,297
−HK$646/mo
▼ 0.25% · 3.875%
HK$10,617
−HK$326/mo
Today · 4.125%
HK$10,943
baseline
▲ 0.50% · 4.625%
HK$11,609
+HK$666/mo
Deposit HK$2.26M · loan HK$2.26M · min. income ≈ HK$21,886/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$69,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,455
−HK$619/mo
▼ 0.25% · 3.875%
HK$11,763
−HK$311/mo
Today · 4.125%
HK$12,074
baseline
▲ 0.50% · 4.625%
HK$12,711
+HK$637/mo
Deposit HK$2.26M · loan HK$2.26M · min. income ≈ HK$24,148/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$69,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,356
−HK$775/mo
▼ 0.25% · 3.875%
HK$12,741
−HK$390/mo
Today · 4.125%
HK$13,131
baseline
▲ 0.50% · 4.625%
HK$13,930
+HK$799/mo
Deposit HK$1.81M · loan HK$2.71M · min. income ≈ HK$26,262/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$69,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,746
−HK$743/mo
▼ 0.25% · 3.875%
HK$14,115
−HK$374/mo
Today · 4.125%
HK$14,489
baseline
▲ 0.50% · 4.625%
HK$15,253
+HK$764/mo
Deposit HK$1.81M · loan HK$2.71M · min. income ≈ HK$28,978/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$69,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,416
−HK$904/mo
▼ 0.25% · 3.875%
HK$14,864
−HK$456/mo
Today · 4.125%
HK$15,320
baseline
▲ 0.50% · 4.625%
HK$16,252
+HK$932/mo
Deposit HK$1.35M · loan HK$3.16M · min. income ≈ HK$30,640/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$69,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,037
−HK$867/mo
▼ 0.25% · 3.875%
HK$16,468
−HK$436/mo
Today · 4.125%
HK$16,904
baseline
▲ 0.50% · 4.625%
HK$17,795
+HK$891/mo
Deposit HK$1.35M · loan HK$3.16M · min. income ≈ HK$33,808/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$69,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,535
−HK$1,162/mo
▼ 0.25% · 3.875%
HK$19,111
−HK$586/mo
Today · 4.125%
HK$19,697
baseline
▲ 0.50% · 4.625%
HK$20,895
+HK$1,198/mo
Deposit HK$452K · loan HK$4.06M · min. income ≈ HK$39,394/mo (50% DSR)
Upfront cash ≈ HK$521K (deposit + AVD stamp duty HK$69,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,620
−HK$1,114/mo
▼ 0.25% · 3.875%
HK$21,173
−HK$561/mo
Today · 4.125%
HK$21,734
baseline
▲ 0.50% · 4.625%
HK$22,879
+HK$1,145/mo
Deposit HK$452K · loan HK$4.06M · min. income ≈ HK$43,468/mo (50% DSR)
Upfront cash ≈ HK$521K (deposit + AVD stamp duty HK$69,074 · 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).