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$10,429
−HK$654/mo
▼ 0.25% · 3.875%
HK$10,754
−HK$329/mo
Today · 4.125%
HK$11,083
baseline
▲ 0.50% · 4.625%
HK$11,758
+HK$675/mo
Deposit HK$2.29M · loan HK$2.29M · min. income ≈ HK$22,166/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$74,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,603
−HK$626/mo
▼ 0.25% · 3.875%
HK$11,914
−HK$315/mo
Today · 4.125%
HK$12,229
baseline
▲ 0.50% · 4.625%
HK$12,874
+HK$645/mo
Deposit HK$2.29M · loan HK$2.29M · min. income ≈ HK$24,458/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$74,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,515
−HK$785/mo
▼ 0.25% · 3.875%
HK$12,904
−HK$396/mo
Today · 4.125%
HK$13,300
baseline
▲ 0.50% · 4.625%
HK$14,109
+HK$809/mo
Deposit HK$1.83M · loan HK$2.74M · min. income ≈ HK$26,600/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$74,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,923
−HK$752/mo
▼ 0.25% · 3.875%
HK$14,296
−HK$379/mo
Today · 4.125%
HK$14,675
baseline
▲ 0.50% · 4.625%
HK$15,449
+HK$774/mo
Deposit HK$1.83M · loan HK$2.74M · min. income ≈ HK$29,350/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$74,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,601
−HK$916/mo
▼ 0.25% · 3.875%
HK$15,055
−HK$462/mo
Today · 4.125%
HK$15,517
baseline
▲ 0.50% · 4.625%
HK$16,461
+HK$944/mo
Deposit HK$1.37M · loan HK$3.20M · min. income ≈ HK$31,034/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$74,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,244
−HK$877/mo
▼ 0.25% · 3.875%
HK$16,679
−HK$442/mo
Today · 4.125%
HK$17,121
baseline
▲ 0.50% · 4.625%
HK$18,024
+HK$903/mo
Deposit HK$1.37M · loan HK$3.20M · min. income ≈ HK$34,242/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$74,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,773
−HK$1,177/mo
▼ 0.25% · 3.875%
HK$19,357
−HK$593/mo
Today · 4.125%
HK$19,950
baseline
▲ 0.50% · 4.625%
HK$21,164
+HK$1,214/mo
Deposit HK$457K · loan HK$4.12M · min. income ≈ HK$39,900/mo (50% DSR)
Upfront cash ≈ HK$532K (deposit + AVD stamp duty HK$74,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,885
−HK$1,128/mo
▼ 0.25% · 3.875%
HK$21,445
−HK$568/mo
Today · 4.125%
HK$22,013
baseline
▲ 0.50% · 4.625%
HK$23,173
+HK$1,160/mo
Deposit HK$457K · loan HK$4.12M · min. income ≈ HK$44,026/mo (50% DSR)
Upfront cash ≈ HK$532K (deposit + AVD stamp duty HK$74,876 · 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).