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$10,230
−HK$641/mo
▼ 0.25% · 3.875%
HK$10,548
−HK$323/mo
Today · 4.125%
HK$10,871
baseline
▲ 0.50% · 4.625%
HK$11,533
+HK$662/mo
Deposit HK$2.24M · loan HK$2.24M · min. income ≈ HK$21,742/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$67,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,381
−HK$614/mo
▼ 0.25% · 3.875%
HK$11,686
−HK$309/mo
Today · 4.125%
HK$11,995
baseline
▲ 0.50% · 4.625%
HK$12,628
+HK$633/mo
Deposit HK$2.24M · loan HK$2.24M · min. income ≈ HK$23,990/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$67,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,276
−HK$770/mo
▼ 0.25% · 3.875%
HK$12,658
−HK$388/mo
Today · 4.125%
HK$13,046
baseline
▲ 0.50% · 4.625%
HK$13,839
+HK$793/mo
Deposit HK$1.79M · loan HK$2.69M · min. income ≈ HK$26,092/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$67,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,657
−HK$738/mo
▼ 0.25% · 3.875%
HK$14,023
−HK$372/mo
Today · 4.125%
HK$14,395
baseline
▲ 0.50% · 4.625%
HK$15,153
+HK$758/mo
Deposit HK$1.79M · loan HK$2.69M · min. income ≈ HK$28,790/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$67,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,322
−HK$898/mo
▼ 0.25% · 3.875%
HK$14,767
−HK$453/mo
Today · 4.125%
HK$15,220
baseline
▲ 0.50% · 4.625%
HK$16,146
+HK$926/mo
Deposit HK$1.35M · loan HK$3.14M · min. income ≈ HK$30,440/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$67,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,933
−HK$861/mo
▼ 0.25% · 3.875%
HK$16,360
−HK$434/mo
Today · 4.125%
HK$16,794
baseline
▲ 0.50% · 4.625%
HK$17,679
+HK$885/mo
Deposit HK$1.35M · loan HK$3.14M · min. income ≈ HK$33,588/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$67,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,414
−HK$1,154/mo
▼ 0.25% · 3.875%
HK$18,987
−HK$581/mo
Today · 4.125%
HK$19,568
baseline
▲ 0.50% · 4.625%
HK$20,759
+HK$1,191/mo
Deposit HK$449K · loan HK$4.04M · min. income ≈ HK$39,136/mo (50% DSR)
Upfront cash ≈ HK$516K (deposit + AVD stamp duty HK$67,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,485
−HK$1,107/mo
▼ 0.25% · 3.875%
HK$21,035
−HK$557/mo
Today · 4.125%
HK$21,592
baseline
▲ 0.50% · 4.625%
HK$22,730
+HK$1,138/mo
Deposit HK$449K · loan HK$4.04M · min. income ≈ HK$43,184/mo (50% DSR)
Upfront cash ≈ HK$516K (deposit + AVD stamp duty HK$67,295 · 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).