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$10,152
−HK$637/mo
▼ 0.25% · 3.875%
HK$10,468
−HK$321/mo
Today · 4.125%
HK$10,789
baseline
▲ 0.50% · 4.625%
HK$11,445
+HK$656/mo
Deposit HK$2.23M · loan HK$2.23M · min. income ≈ HK$21,578/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$66,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,294
−HK$610/mo
▼ 0.25% · 3.875%
HK$11,597
−HK$307/mo
Today · 4.125%
HK$11,904
baseline
▲ 0.50% · 4.625%
HK$12,532
+HK$628/mo
Deposit HK$2.23M · loan HK$2.23M · min. income ≈ HK$23,808/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$66,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,183
−HK$764/mo
▼ 0.25% · 3.875%
HK$12,562
−HK$385/mo
Today · 4.125%
HK$12,947
baseline
▲ 0.50% · 4.625%
HK$13,734
+HK$787/mo
Deposit HK$1.78M · loan HK$2.67M · min. income ≈ HK$25,894/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$66,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,553
−HK$732/mo
▼ 0.25% · 3.875%
HK$13,917
−HK$368/mo
Today · 4.125%
HK$14,285
baseline
▲ 0.50% · 4.625%
HK$15,038
+HK$753/mo
Deposit HK$1.78M · loan HK$2.67M · min. income ≈ HK$28,570/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$66,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,213
−HK$891/mo
▼ 0.25% · 3.875%
HK$14,655
−HK$449/mo
Today · 4.125%
HK$15,104
baseline
▲ 0.50% · 4.625%
HK$16,023
+HK$919/mo
Deposit HK$1.34M · loan HK$3.12M · min. income ≈ HK$30,208/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$66,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,812
−HK$854/mo
▼ 0.25% · 3.875%
HK$16,236
−HK$430/mo
Today · 4.125%
HK$16,666
baseline
▲ 0.50% · 4.625%
HK$17,545
+HK$879/mo
Deposit HK$1.34M · loan HK$3.12M · min. income ≈ HK$33,332/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$66,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,274
−HK$1,146/mo
▼ 0.25% · 3.875%
HK$18,842
−HK$578/mo
Today · 4.125%
HK$19,420
baseline
▲ 0.50% · 4.625%
HK$20,602
+HK$1,182/mo
Deposit HK$445K · loan HK$4.01M · min. income ≈ HK$38,840/mo (50% DSR)
Upfront cash ≈ HK$512K (deposit + AVD stamp duty HK$66,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,330
−HK$1,098/mo
▼ 0.25% · 3.875%
HK$20,875
−HK$553/mo
Today · 4.125%
HK$21,428
baseline
▲ 0.50% · 4.625%
HK$22,558
+HK$1,130/mo
Deposit HK$445K · loan HK$4.01M · min. income ≈ HK$42,856/mo (50% DSR)
Upfront cash ≈ HK$512K (deposit + AVD stamp duty HK$66,784 · 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).