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$10,180
−HK$638/mo
▼ 0.25% · 3.875%
HK$10,496
−HK$322/mo
Today · 4.125%
HK$10,818
baseline
▲ 0.50% · 4.625%
HK$11,476
+HK$658/mo
Deposit HK$2.23M · loan HK$2.23M · min. income ≈ HK$21,636/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$66,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,325
−HK$612/mo
▼ 0.25% · 3.875%
HK$11,628
−HK$309/mo
Today · 4.125%
HK$11,937
baseline
▲ 0.50% · 4.625%
HK$12,566
+HK$629/mo
Deposit HK$2.23M · loan HK$2.23M · min. income ≈ HK$23,874/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$66,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,216
−HK$766/mo
▼ 0.25% · 3.875%
HK$12,596
−HK$386/mo
Today · 4.125%
HK$12,982
baseline
▲ 0.50% · 4.625%
HK$13,771
+HK$789/mo
Deposit HK$1.79M · loan HK$2.68M · min. income ≈ HK$25,964/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$66,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,590
−HK$734/mo
▼ 0.25% · 3.875%
HK$13,954
−HK$370/mo
Today · 4.125%
HK$14,324
baseline
▲ 0.50% · 4.625%
HK$15,079
+HK$755/mo
Deposit HK$1.79M · loan HK$2.68M · min. income ≈ HK$28,648/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$66,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,251
−HK$894/mo
▼ 0.25% · 3.875%
HK$14,695
−HK$450/mo
Today · 4.125%
HK$15,145
baseline
▲ 0.50% · 4.625%
HK$16,067
+HK$922/mo
Deposit HK$1.34M · loan HK$3.12M · min. income ≈ HK$30,290/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$66,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,855
−HK$856/mo
▼ 0.25% · 3.875%
HK$16,280
−HK$431/mo
Today · 4.125%
HK$16,711
baseline
▲ 0.50% · 4.625%
HK$17,592
+HK$881/mo
Deposit HK$1.34M · loan HK$3.12M · min. income ≈ HK$33,422/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$66,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,323
−HK$1,149/mo
▼ 0.25% · 3.875%
HK$18,893
−HK$579/mo
Today · 4.125%
HK$19,472
baseline
▲ 0.50% · 4.625%
HK$20,657
+HK$1,185/mo
Deposit HK$446K · loan HK$4.02M · min. income ≈ HK$38,944/mo (50% DSR)
Upfront cash ≈ HK$513K (deposit + AVD stamp duty HK$66,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,385
−HK$1,101/mo
▼ 0.25% · 3.875%
HK$20,931
−HK$555/mo
Today · 4.125%
HK$21,486
baseline
▲ 0.50% · 4.625%
HK$22,618
+HK$1,132/mo
Deposit HK$446K · loan HK$4.02M · min. income ≈ HK$42,972/mo (50% DSR)
Upfront cash ≈ HK$513K (deposit + AVD stamp duty HK$66,964 · 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).