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$10,150
−HK$637/mo
▼ 0.25% · 3.875%
HK$10,466
−HK$321/mo
Today · 4.125%
HK$10,787
baseline
▲ 0.50% · 4.625%
HK$11,443
+HK$656/mo
Deposit HK$2.23M · loan HK$2.23M · min. income ≈ HK$21,574/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$66,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,292
−HK$610/mo
▼ 0.25% · 3.875%
HK$11,595
−HK$307/mo
Today · 4.125%
HK$11,902
baseline
▲ 0.50% · 4.625%
HK$12,529
+HK$627/mo
Deposit HK$2.23M · loan HK$2.23M · min. income ≈ HK$23,804/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$66,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,180
−HK$764/mo
▼ 0.25% · 3.875%
HK$12,559
−HK$385/mo
Today · 4.125%
HK$12,944
baseline
▲ 0.50% · 4.625%
HK$13,732
+HK$788/mo
Deposit HK$1.78M · loan HK$2.67M · min. income ≈ HK$25,888/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$66,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,550
−HK$732/mo
▼ 0.25% · 3.875%
HK$13,914
−HK$368/mo
Today · 4.125%
HK$14,282
baseline
▲ 0.50% · 4.625%
HK$15,035
+HK$753/mo
Deposit HK$1.78M · loan HK$2.67M · min. income ≈ HK$28,564/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$66,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,210
−HK$891/mo
▼ 0.25% · 3.875%
HK$14,652
−HK$449/mo
Today · 4.125%
HK$15,101
baseline
▲ 0.50% · 4.625%
HK$16,020
+HK$919/mo
Deposit HK$1.34M · loan HK$3.12M · min. income ≈ HK$30,202/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$66,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,809
−HK$854/mo
▼ 0.25% · 3.875%
HK$16,233
−HK$430/mo
Today · 4.125%
HK$16,663
baseline
▲ 0.50% · 4.625%
HK$17,541
+HK$878/mo
Deposit HK$1.34M · loan HK$3.12M · min. income ≈ HK$33,326/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$66,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,270
−HK$1,146/mo
▼ 0.25% · 3.875%
HK$18,838
−HK$578/mo
Today · 4.125%
HK$19,416
baseline
▲ 0.50% · 4.625%
HK$20,597
+HK$1,181/mo
Deposit HK$445K · loan HK$4.01M · min. income ≈ HK$38,832/mo (50% DSR)
Upfront cash ≈ HK$512K (deposit + AVD stamp duty HK$66,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,325
−HK$1,099/mo
▼ 0.25% · 3.875%
HK$20,871
−HK$553/mo
Today · 4.125%
HK$21,424
baseline
▲ 0.50% · 4.625%
HK$22,553
+HK$1,129/mo
Deposit HK$445K · loan HK$4.01M · min. income ≈ HK$42,848/mo (50% DSR)
Upfront cash ≈ HK$512K (deposit + AVD stamp duty HK$66,770 · 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).