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$10,365
−HK$650/mo
▼ 0.25% · 3.875%
HK$10,687
−HK$328/mo
Today · 4.125%
HK$11,015
baseline
▲ 0.50% · 4.625%
HK$11,685
+HK$670/mo
Deposit HK$2.27M · loan HK$2.27M · min. income ≈ HK$22,030/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$72,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,531
−HK$623/mo
▼ 0.25% · 3.875%
HK$11,840
−HK$314/mo
Today · 4.125%
HK$12,154
baseline
▲ 0.50% · 4.625%
HK$12,794
+HK$640/mo
Deposit HK$2.27M · loan HK$2.27M · min. income ≈ HK$24,308/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$72,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,438
−HK$780/mo
▼ 0.25% · 3.875%
HK$12,824
−HK$394/mo
Today · 4.125%
HK$13,218
baseline
▲ 0.50% · 4.625%
HK$14,022
+HK$804/mo
Deposit HK$1.82M · loan HK$2.73M · min. income ≈ HK$26,436/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$72,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,837
−HK$747/mo
▼ 0.25% · 3.875%
HK$14,208
−HK$376/mo
Today · 4.125%
HK$14,584
baseline
▲ 0.50% · 4.625%
HK$15,353
+HK$769/mo
Deposit HK$1.82M · loan HK$2.73M · min. income ≈ HK$29,168/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$72,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,510
−HK$910/mo
▼ 0.25% · 3.875%
HK$14,962
−HK$458/mo
Today · 4.125%
HK$15,420
baseline
▲ 0.50% · 4.625%
HK$16,359
+HK$939/mo
Deposit HK$1.36M · loan HK$3.18M · min. income ≈ HK$30,840/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$72,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,143
−HK$872/mo
▼ 0.25% · 3.875%
HK$16,576
−HK$439/mo
Today · 4.125%
HK$17,015
baseline
▲ 0.50% · 4.625%
HK$17,912
+HK$897/mo
Deposit HK$1.36M · loan HK$3.18M · min. income ≈ HK$34,030/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$72,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,656
−HK$1,170/mo
▼ 0.25% · 3.875%
HK$19,237
−HK$589/mo
Today · 4.125%
HK$19,826
baseline
▲ 0.50% · 4.625%
HK$21,033
+HK$1,207/mo
Deposit HK$455K · loan HK$4.09M · min. income ≈ HK$39,652/mo (50% DSR)
Upfront cash ≈ HK$527K (deposit + AVD stamp duty HK$72,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,755
−HK$1,121/mo
▼ 0.25% · 3.875%
HK$21,312
−HK$564/mo
Today · 4.125%
HK$21,876
baseline
▲ 0.50% · 4.625%
HK$23,029
+HK$1,153/mo
Deposit HK$455K · loan HK$4.09M · min. income ≈ HK$43,752/mo (50% DSR)
Upfront cash ≈ HK$527K (deposit + AVD stamp duty HK$72,038 · 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).