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$10,372
−HK$651/mo
▼ 0.25% · 3.875%
HK$10,695
−HK$328/mo
Today · 4.125%
HK$11,023
baseline
▲ 0.50% · 4.625%
HK$11,693
+HK$670/mo
Deposit HK$2.27M · loan HK$2.27M · min. income ≈ HK$22,046/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$72,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,539
−HK$623/mo
▼ 0.25% · 3.875%
HK$11,848
−HK$314/mo
Today · 4.125%
HK$12,162
baseline
▲ 0.50% · 4.625%
HK$12,803
+HK$641/mo
Deposit HK$2.27M · loan HK$2.27M · min. income ≈ HK$24,324/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$72,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,447
−HK$780/mo
▼ 0.25% · 3.875%
HK$12,834
−HK$393/mo
Today · 4.125%
HK$13,227
baseline
▲ 0.50% · 4.625%
HK$14,032
+HK$805/mo
Deposit HK$1.82M · loan HK$2.73M · min. income ≈ HK$26,454/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$72,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,847
−HK$748/mo
▼ 0.25% · 3.875%
HK$14,218
−HK$377/mo
Today · 4.125%
HK$14,595
baseline
▲ 0.50% · 4.625%
HK$15,364
+HK$769/mo
Deposit HK$1.82M · loan HK$2.73M · min. income ≈ HK$29,190/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$72,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,521
−HK$911/mo
▼ 0.25% · 3.875%
HK$14,973
−HK$459/mo
Today · 4.125%
HK$15,432
baseline
▲ 0.50% · 4.625%
HK$16,371
+HK$939/mo
Deposit HK$1.36M · loan HK$3.18M · min. income ≈ HK$30,864/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$72,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,154
−HK$873/mo
▼ 0.25% · 3.875%
HK$16,588
−HK$439/mo
Today · 4.125%
HK$17,027
baseline
▲ 0.50% · 4.625%
HK$17,925
+HK$898/mo
Deposit HK$1.36M · loan HK$3.18M · min. income ≈ HK$34,054/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$72,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,670
−HK$1,171/mo
▼ 0.25% · 3.875%
HK$19,251
−HK$590/mo
Today · 4.125%
HK$19,841
baseline
▲ 0.50% · 4.625%
HK$21,048
+HK$1,207/mo
Deposit HK$455K · loan HK$4.09M · min. income ≈ HK$39,682/mo (50% DSR)
Upfront cash ≈ HK$527K (deposit + AVD stamp duty HK$72,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,770
−HK$1,122/mo
▼ 0.25% · 3.875%
HK$21,327
−HK$565/mo
Today · 4.125%
HK$21,892
baseline
▲ 0.50% · 4.625%
HK$23,046
+HK$1,154/mo
Deposit HK$455K · loan HK$4.09M · min. income ≈ HK$43,784/mo (50% DSR)
Upfront cash ≈ HK$527K (deposit + AVD stamp duty HK$72,368 · 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).