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$10,188
−HK$638/mo
▼ 0.25% · 3.875%
HK$10,505
−HK$321/mo
Today · 4.125%
HK$10,826
baseline
▲ 0.50% · 4.625%
HK$11,485
+HK$659/mo
Deposit HK$2.23M · loan HK$2.23M · min. income ≈ HK$21,652/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$67,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,334
−HK$612/mo
▼ 0.25% · 3.875%
HK$11,638
−HK$308/mo
Today · 4.125%
HK$11,946
baseline
▲ 0.50% · 4.625%
HK$12,576
+HK$630/mo
Deposit HK$2.23M · loan HK$2.23M · min. income ≈ HK$23,892/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$67,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,225
−HK$767/mo
▼ 0.25% · 3.875%
HK$12,605
−HK$387/mo
Today · 4.125%
HK$12,992
baseline
▲ 0.50% · 4.625%
HK$13,782
+HK$790/mo
Deposit HK$1.79M · loan HK$2.68M · min. income ≈ HK$25,984/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$67,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,600
−HK$735/mo
▼ 0.25% · 3.875%
HK$13,965
−HK$370/mo
Today · 4.125%
HK$14,335
baseline
▲ 0.50% · 4.625%
HK$15,091
+HK$756/mo
Deposit HK$1.79M · loan HK$2.68M · min. income ≈ HK$28,670/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$67,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,263
−HK$894/mo
▼ 0.25% · 3.875%
HK$14,706
−HK$451/mo
Today · 4.125%
HK$15,157
baseline
▲ 0.50% · 4.625%
HK$16,079
+HK$922/mo
Deposit HK$1.34M · loan HK$3.13M · min. income ≈ HK$30,314/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$67,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,867
−HK$857/mo
▼ 0.25% · 3.875%
HK$16,293
−HK$431/mo
Today · 4.125%
HK$16,724
baseline
▲ 0.50% · 4.625%
HK$17,606
+HK$882/mo
Deposit HK$1.34M · loan HK$3.13M · min. income ≈ HK$33,448/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$67,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,338
−HK$1,150/mo
▼ 0.25% · 3.875%
HK$18,908
−HK$580/mo
Today · 4.125%
HK$19,488
baseline
▲ 0.50% · 4.625%
HK$20,673
+HK$1,185/mo
Deposit HK$447K · loan HK$4.02M · min. income ≈ HK$38,976/mo (50% DSR)
Upfront cash ≈ HK$514K (deposit + AVD stamp duty HK$67,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,401
−HK$1,102/mo
▼ 0.25% · 3.875%
HK$20,948
−HK$555/mo
Today · 4.125%
HK$21,503
baseline
▲ 0.50% · 4.625%
HK$22,636
+HK$1,133/mo
Deposit HK$447K · loan HK$4.02M · min. income ≈ HK$43,006/mo (50% DSR)
Upfront cash ≈ HK$514K (deposit + AVD stamp duty HK$67,017 · 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).