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$10,203
−HK$640/mo
▼ 0.25% · 3.875%
HK$10,520
−HK$323/mo
Today · 4.125%
HK$10,843
baseline
▲ 0.50% · 4.625%
HK$11,502
+HK$659/mo
Deposit HK$2.24M · loan HK$2.24M · min. income ≈ HK$21,686/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$67,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,350
−HK$614/mo
▼ 0.25% · 3.875%
HK$11,655
−HK$309/mo
Today · 4.125%
HK$11,964
baseline
▲ 0.50% · 4.625%
HK$12,594
+HK$630/mo
Deposit HK$2.24M · loan HK$2.24M · min. income ≈ HK$23,928/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$67,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,243
−HK$768/mo
▼ 0.25% · 3.875%
HK$12,624
−HK$387/mo
Today · 4.125%
HK$13,011
baseline
▲ 0.50% · 4.625%
HK$13,803
+HK$792/mo
Deposit HK$1.79M · loan HK$2.68M · min. income ≈ HK$26,022/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$67,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,621
−HK$735/mo
▼ 0.25% · 3.875%
HK$13,986
−HK$370/mo
Today · 4.125%
HK$14,356
baseline
▲ 0.50% · 4.625%
HK$15,113
+HK$757/mo
Deposit HK$1.79M · loan HK$2.68M · min. income ≈ HK$28,712/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$67,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,284
−HK$896/mo
▼ 0.25% · 3.875%
HK$14,728
−HK$452/mo
Today · 4.125%
HK$15,180
baseline
▲ 0.50% · 4.625%
HK$16,103
+HK$923/mo
Deposit HK$1.34M · loan HK$3.13M · min. income ≈ HK$30,360/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$67,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,891
−HK$858/mo
▼ 0.25% · 3.875%
HK$16,317
−HK$432/mo
Today · 4.125%
HK$16,749
baseline
▲ 0.50% · 4.625%
HK$17,632
+HK$883/mo
Deposit HK$1.34M · loan HK$3.13M · min. income ≈ HK$33,498/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$67,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,365
−HK$1,152/mo
▼ 0.25% · 3.875%
HK$18,936
−HK$581/mo
Today · 4.125%
HK$19,517
baseline
▲ 0.50% · 4.625%
HK$20,704
+HK$1,187/mo
Deposit HK$447K · loan HK$4.03M · min. income ≈ HK$39,034/mo (50% DSR)
Upfront cash ≈ HK$515K (deposit + AVD stamp duty HK$67,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,431
−HK$1,104/mo
▼ 0.25% · 3.875%
HK$20,979
−HK$556/mo
Today · 4.125%
HK$21,535
baseline
▲ 0.50% · 4.625%
HK$22,670
+HK$1,135/mo
Deposit HK$447K · loan HK$4.03M · min. income ≈ HK$43,070/mo (50% DSR)
Upfront cash ≈ HK$515K (deposit + AVD stamp duty HK$67,116 · 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).