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$10,329
−HK$648/mo
▼ 0.25% · 3.875%
HK$10,650
−HK$327/mo
Today · 4.125%
HK$10,977
baseline
▲ 0.50% · 4.625%
HK$11,645
+HK$668/mo
Deposit HK$2.26M · loan HK$2.26M · min. income ≈ HK$21,954/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$70,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,491
−HK$621/mo
▼ 0.25% · 3.875%
HK$11,799
−HK$313/mo
Today · 4.125%
HK$12,112
baseline
▲ 0.50% · 4.625%
HK$12,750
+HK$638/mo
Deposit HK$2.26M · loan HK$2.26M · min. income ≈ HK$24,224/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$70,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,395
−HK$777/mo
▼ 0.25% · 3.875%
HK$12,781
−HK$391/mo
Today · 4.125%
HK$13,172
baseline
▲ 0.50% · 4.625%
HK$13,974
+HK$802/mo
Deposit HK$1.81M · loan HK$2.72M · min. income ≈ HK$26,344/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$70,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,789
−HK$745/mo
▼ 0.25% · 3.875%
HK$14,159
−HK$375/mo
Today · 4.125%
HK$14,534
baseline
▲ 0.50% · 4.625%
HK$15,300
+HK$766/mo
Deposit HK$1.81M · loan HK$2.72M · min. income ≈ HK$29,068/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$70,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,461
−HK$907/mo
▼ 0.25% · 3.875%
HK$14,911
−HK$457/mo
Today · 4.125%
HK$15,368
baseline
▲ 0.50% · 4.625%
HK$16,303
+HK$935/mo
Deposit HK$1.36M · loan HK$3.17M · min. income ≈ HK$30,736/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$70,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,088
−HK$869/mo
▼ 0.25% · 3.875%
HK$16,519
−HK$438/mo
Today · 4.125%
HK$16,957
baseline
▲ 0.50% · 4.625%
HK$17,851
+HK$894/mo
Deposit HK$1.36M · loan HK$3.17M · min. income ≈ HK$33,914/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$70,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,593
−HK$1,165/mo
▼ 0.25% · 3.875%
HK$19,171
−HK$587/mo
Today · 4.125%
HK$19,758
baseline
▲ 0.50% · 4.625%
HK$20,961
+HK$1,203/mo
Deposit HK$453K · loan HK$4.08M · min. income ≈ HK$39,516/mo (50% DSR)
Upfront cash ≈ HK$523K (deposit + AVD stamp duty HK$70,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,684
−HK$1,117/mo
▼ 0.25% · 3.875%
HK$21,239
−HK$562/mo
Today · 4.125%
HK$21,801
baseline
▲ 0.50% · 4.625%
HK$22,951
+HK$1,150/mo
Deposit HK$453K · loan HK$4.08M · min. income ≈ HK$43,602/mo (50% DSR)
Upfront cash ≈ HK$523K (deposit + AVD stamp duty HK$70,483 · 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).