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$10,417
−HK$653/mo
▼ 0.25% · 3.875%
HK$10,741
−HK$329/mo
Today · 4.125%
HK$11,070
baseline
▲ 0.50% · 4.625%
HK$11,743
+HK$673/mo
Deposit HK$2.28M · loan HK$2.28M · min. income ≈ HK$22,140/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$74,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,588
−HK$626/mo
▼ 0.25% · 3.875%
HK$11,899
−HK$315/mo
Today · 4.125%
HK$12,214
baseline
▲ 0.50% · 4.625%
HK$12,858
+HK$644/mo
Deposit HK$2.28M · loan HK$2.28M · min. income ≈ HK$24,428/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$74,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,500
−HK$784/mo
▼ 0.25% · 3.875%
HK$12,889
−HK$395/mo
Today · 4.125%
HK$13,284
baseline
▲ 0.50% · 4.625%
HK$14,092
+HK$808/mo
Deposit HK$1.83M · loan HK$2.74M · min. income ≈ HK$26,568/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$74,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,906
−HK$751/mo
▼ 0.25% · 3.875%
HK$14,279
−HK$378/mo
Today · 4.125%
HK$14,657
baseline
▲ 0.50% · 4.625%
HK$15,430
+HK$773/mo
Deposit HK$1.83M · loan HK$2.74M · min. income ≈ HK$29,314/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$74,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,583
−HK$915/mo
▼ 0.25% · 3.875%
HK$15,037
−HK$461/mo
Today · 4.125%
HK$15,498
baseline
▲ 0.50% · 4.625%
HK$16,441
+HK$943/mo
Deposit HK$1.37M · loan HK$3.20M · min. income ≈ HK$30,996/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$74,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,224
−HK$876/mo
▼ 0.25% · 3.875%
HK$16,659
−HK$441/mo
Today · 4.125%
HK$17,100
baseline
▲ 0.50% · 4.625%
HK$18,002
+HK$902/mo
Deposit HK$1.37M · loan HK$3.20M · min. income ≈ HK$34,200/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$74,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,750
−HK$1,176/mo
▼ 0.25% · 3.875%
HK$19,333
−HK$593/mo
Today · 4.125%
HK$19,926
baseline
▲ 0.50% · 4.625%
HK$21,138
+HK$1,212/mo
Deposit HK$457K · loan HK$4.11M · min. income ≈ HK$39,852/mo (50% DSR)
Upfront cash ≈ HK$531K (deposit + AVD stamp duty HK$74,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,859
−HK$1,127/mo
▼ 0.25% · 3.875%
HK$21,419
−HK$567/mo
Today · 4.125%
HK$21,986
baseline
▲ 0.50% · 4.625%
HK$23,145
+HK$1,159/mo
Deposit HK$457K · loan HK$4.11M · min. income ≈ HK$43,972/mo (50% DSR)
Upfront cash ≈ HK$531K (deposit + AVD stamp duty HK$74,318 · 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).