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$10,216
−HK$640/mo
▼ 0.25% · 3.875%
HK$10,533
−HK$323/mo
Today · 4.125%
HK$10,856
baseline
▲ 0.50% · 4.625%
HK$11,517
+HK$661/mo
Deposit HK$2.24M · loan HK$2.24M · min. income ≈ HK$21,712/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$67,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,365
−HK$614/mo
▼ 0.25% · 3.875%
HK$11,670
−HK$309/mo
Today · 4.125%
HK$11,979
baseline
▲ 0.50% · 4.625%
HK$12,610
+HK$631/mo
Deposit HK$2.24M · loan HK$2.24M · min. income ≈ HK$23,958/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$67,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,259
−HK$768/mo
▼ 0.25% · 3.875%
HK$12,640
−HK$387/mo
Today · 4.125%
HK$13,027
baseline
▲ 0.50% · 4.625%
HK$13,820
+HK$793/mo
Deposit HK$1.79M · loan HK$2.69M · min. income ≈ HK$26,054/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$67,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,638
−HK$737/mo
▼ 0.25% · 3.875%
HK$14,003
−HK$372/mo
Today · 4.125%
HK$14,375
baseline
▲ 0.50% · 4.625%
HK$15,132
+HK$757/mo
Deposit HK$1.79M · loan HK$2.69M · min. income ≈ HK$28,750/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$67,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,302
−HK$897/mo
▼ 0.25% · 3.875%
HK$14,747
−HK$452/mo
Today · 4.125%
HK$15,199
baseline
▲ 0.50% · 4.625%
HK$16,124
+HK$925/mo
Deposit HK$1.34M · loan HK$3.14M · min. income ≈ HK$30,398/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$67,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,911
−HK$859/mo
▼ 0.25% · 3.875%
HK$16,337
−HK$433/mo
Today · 4.125%
HK$16,770
baseline
▲ 0.50% · 4.625%
HK$17,654
+HK$884/mo
Deposit HK$1.34M · loan HK$3.14M · min. income ≈ HK$33,540/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$67,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,388
−HK$1,153/mo
▼ 0.25% · 3.875%
HK$18,960
−HK$581/mo
Today · 4.125%
HK$19,541
baseline
▲ 0.50% · 4.625%
HK$20,730
+HK$1,189/mo
Deposit HK$448K · loan HK$4.03M · min. income ≈ HK$39,082/mo (50% DSR)
Upfront cash ≈ HK$515K (deposit + AVD stamp duty HK$67,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,457
−HK$1,105/mo
▼ 0.25% · 3.875%
HK$21,005
−HK$557/mo
Today · 4.125%
HK$21,562
baseline
▲ 0.50% · 4.625%
HK$22,698
+HK$1,136/mo
Deposit HK$448K · loan HK$4.03M · min. income ≈ HK$43,124/mo (50% DSR)
Upfront cash ≈ HK$515K (deposit + AVD stamp duty HK$67,201 · 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).