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$10,453
−HK$656/mo
▼ 0.25% · 3.875%
HK$10,778
−HK$331/mo
Today · 4.125%
HK$11,109
baseline
▲ 0.50% · 4.625%
HK$11,785
+HK$676/mo
Deposit HK$2.29M · loan HK$2.29M · min. income ≈ HK$22,218/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$75,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,629
−HK$628/mo
▼ 0.25% · 3.875%
HK$11,941
−HK$316/mo
Today · 4.125%
HK$12,257
baseline
▲ 0.50% · 4.625%
HK$12,903
+HK$646/mo
Deposit HK$2.29M · loan HK$2.29M · min. income ≈ HK$24,514/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$75,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,544
−HK$786/mo
▼ 0.25% · 3.875%
HK$12,934
−HK$396/mo
Today · 4.125%
HK$13,330
baseline
▲ 0.50% · 4.625%
HK$14,141
+HK$811/mo
Deposit HK$1.83M · loan HK$2.75M · min. income ≈ HK$26,660/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$75,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,955
−HK$754/mo
▼ 0.25% · 3.875%
HK$14,329
−HK$380/mo
Today · 4.125%
HK$14,709
baseline
▲ 0.50% · 4.625%
HK$15,484
+HK$775/mo
Deposit HK$1.83M · loan HK$2.75M · min. income ≈ HK$29,418/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$75,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,634
−HK$918/mo
▼ 0.25% · 3.875%
HK$15,090
−HK$462/mo
Today · 4.125%
HK$15,552
baseline
▲ 0.50% · 4.625%
HK$16,498
+HK$946/mo
Deposit HK$1.38M · loan HK$3.21M · min. income ≈ HK$31,104/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$75,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,281
−HK$879/mo
▼ 0.25% · 3.875%
HK$16,717
−HK$443/mo
Today · 4.125%
HK$17,160
baseline
▲ 0.50% · 4.625%
HK$18,065
+HK$905/mo
Deposit HK$1.38M · loan HK$3.21M · min. income ≈ HK$34,320/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$75,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,816
−HK$1,179/mo
▼ 0.25% · 3.875%
HK$19,401
−HK$594/mo
Today · 4.125%
HK$19,995
baseline
▲ 0.50% · 4.625%
HK$21,212
+HK$1,217/mo
Deposit HK$458K · loan HK$4.13M · min. income ≈ HK$39,990/mo (50% DSR)
Upfront cash ≈ HK$534K (deposit + AVD stamp duty HK$75,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,932
−HK$1,131/mo
▼ 0.25% · 3.875%
HK$21,494
−HK$569/mo
Today · 4.125%
HK$22,063
baseline
▲ 0.50% · 4.625%
HK$23,226
+HK$1,163/mo
Deposit HK$458K · loan HK$4.13M · min. income ≈ HK$44,126/mo (50% DSR)
Upfront cash ≈ HK$534K (deposit + AVD stamp duty HK$75,918 · 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).