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$10,203
−HK$640/mo
▼ 0.25% · 3.875%
HK$10,521
−HK$322/mo
Today · 4.125%
HK$10,843
baseline
▲ 0.50% · 4.625%
HK$11,503
+HK$660/mo
Deposit HK$2.24M · loan HK$2.24M · min. income ≈ HK$21,686/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$67,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,351
−HK$613/mo
▼ 0.25% · 3.875%
HK$11,656
−HK$308/mo
Today · 4.125%
HK$11,964
baseline
▲ 0.50% · 4.625%
HK$12,595
+HK$631/mo
Deposit HK$2.24M · loan HK$2.24M · min. income ≈ HK$23,928/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$67,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,244
−HK$768/mo
▼ 0.25% · 3.875%
HK$12,625
−HK$387/mo
Today · 4.125%
HK$13,012
baseline
▲ 0.50% · 4.625%
HK$13,804
+HK$792/mo
Deposit HK$1.79M · loan HK$2.68M · min. income ≈ HK$26,024/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$67,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,621
−HK$736/mo
▼ 0.25% · 3.875%
HK$13,987
−HK$370/mo
Today · 4.125%
HK$14,357
baseline
▲ 0.50% · 4.625%
HK$15,114
+HK$757/mo
Deposit HK$1.79M · loan HK$2.68M · min. income ≈ HK$28,714/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$67,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,285
−HK$895/mo
▼ 0.25% · 3.875%
HK$14,729
−HK$451/mo
Today · 4.125%
HK$15,180
baseline
▲ 0.50% · 4.625%
HK$16,104
+HK$924/mo
Deposit HK$1.34M · loan HK$3.13M · min. income ≈ HK$30,360/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$67,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,892
−HK$858/mo
▼ 0.25% · 3.875%
HK$16,318
−HK$432/mo
Today · 4.125%
HK$16,750
baseline
▲ 0.50% · 4.625%
HK$17,633
+HK$883/mo
Deposit HK$1.34M · loan HK$3.13M · min. income ≈ HK$33,500/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$67,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,366
−HK$1,152/mo
▼ 0.25% · 3.875%
HK$18,937
−HK$581/mo
Today · 4.125%
HK$19,518
baseline
▲ 0.50% · 4.625%
HK$20,705
+HK$1,187/mo
Deposit HK$447K · loan HK$4.03M · min. income ≈ HK$39,036/mo (50% DSR)
Upfront cash ≈ HK$515K (deposit + AVD stamp duty HK$67,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,432
−HK$1,104/mo
▼ 0.25% · 3.875%
HK$20,980
−HK$556/mo
Today · 4.125%
HK$21,536
baseline
▲ 0.50% · 4.625%
HK$22,671
+HK$1,135/mo
Deposit HK$447K · loan HK$4.03M · min. income ≈ HK$43,072/mo (50% DSR)
Upfront cash ≈ HK$515K (deposit + AVD stamp duty HK$67,120 · 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).