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$10,411
−HK$653/mo
▼ 0.25% · 3.875%
HK$10,735
−HK$329/mo
Today · 4.125%
HK$11,064
baseline
▲ 0.50% · 4.625%
HK$11,738
+HK$674/mo
Deposit HK$2.28M · loan HK$2.28M · min. income ≈ HK$22,128/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$74,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,583
−HK$625/mo
▼ 0.25% · 3.875%
HK$11,893
−HK$315/mo
Today · 4.125%
HK$12,208
baseline
▲ 0.50% · 4.625%
HK$12,852
+HK$644/mo
Deposit HK$2.28M · loan HK$2.28M · min. income ≈ HK$24,416/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$74,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,494
−HK$783/mo
▼ 0.25% · 3.875%
HK$12,882
−HK$395/mo
Today · 4.125%
HK$13,277
baseline
▲ 0.50% · 4.625%
HK$14,085
+HK$808/mo
Deposit HK$1.83M · loan HK$2.74M · min. income ≈ HK$26,554/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$74,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,899
−HK$751/mo
▼ 0.25% · 3.875%
HK$14,272
−HK$378/mo
Today · 4.125%
HK$14,650
baseline
▲ 0.50% · 4.625%
HK$15,422
+HK$772/mo
Deposit HK$1.83M · loan HK$2.74M · min. income ≈ HK$29,300/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$74,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,576
−HK$914/mo
▼ 0.25% · 3.875%
HK$15,029
−HK$461/mo
Today · 4.125%
HK$15,490
baseline
▲ 0.50% · 4.625%
HK$16,433
+HK$943/mo
Deposit HK$1.37M · loan HK$3.20M · min. income ≈ HK$30,980/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$74,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,216
−HK$876/mo
▼ 0.25% · 3.875%
HK$16,651
−HK$441/mo
Today · 4.125%
HK$17,092
baseline
▲ 0.50% · 4.625%
HK$17,993
+HK$901/mo
Deposit HK$1.37M · loan HK$3.20M · min. income ≈ HK$34,184/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$74,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,741
−HK$1,175/mo
▼ 0.25% · 3.875%
HK$19,324
−HK$592/mo
Today · 4.125%
HK$19,916
baseline
▲ 0.50% · 4.625%
HK$21,128
+HK$1,212/mo
Deposit HK$457K · loan HK$4.11M · min. income ≈ HK$39,832/mo (50% DSR)
Upfront cash ≈ HK$531K (deposit + AVD stamp duty HK$74,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,849
−HK$1,126/mo
▼ 0.25% · 3.875%
HK$21,408
−HK$567/mo
Today · 4.125%
HK$21,975
baseline
▲ 0.50% · 4.625%
HK$23,133
+HK$1,158/mo
Deposit HK$457K · loan HK$4.11M · min. income ≈ HK$43,950/mo (50% DSR)
Upfront cash ≈ HK$531K (deposit + AVD stamp duty HK$74,091 · 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).