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$10,182
−HK$638/mo
▼ 0.25% · 3.875%
HK$10,498
−HK$322/mo
Today · 4.125%
HK$10,820
baseline
▲ 0.50% · 4.625%
HK$11,478
+HK$658/mo
Deposit HK$2.23M · loan HK$2.23M · min. income ≈ HK$21,640/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$66,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,327
−HK$612/mo
▼ 0.25% · 3.875%
HK$11,631
−HK$308/mo
Today · 4.125%
HK$11,939
baseline
▲ 0.50% · 4.625%
HK$12,568
+HK$629/mo
Deposit HK$2.23M · loan HK$2.23M · min. income ≈ HK$23,878/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$66,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,218
−HK$766/mo
▼ 0.25% · 3.875%
HK$12,598
−HK$386/mo
Today · 4.125%
HK$12,984
baseline
▲ 0.50% · 4.625%
HK$13,774
+HK$790/mo
Deposit HK$1.79M · loan HK$2.68M · min. income ≈ HK$25,968/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$66,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,592
−HK$735/mo
▼ 0.25% · 3.875%
HK$13,957
−HK$370/mo
Today · 4.125%
HK$14,327
baseline
▲ 0.50% · 4.625%
HK$15,082
+HK$755/mo
Deposit HK$1.79M · loan HK$2.68M · min. income ≈ HK$28,654/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$66,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,254
−HK$894/mo
▼ 0.25% · 3.875%
HK$14,698
−HK$450/mo
Today · 4.125%
HK$15,148
baseline
▲ 0.50% · 4.625%
HK$16,070
+HK$922/mo
Deposit HK$1.34M · loan HK$3.13M · min. income ≈ HK$30,296/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$66,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,858
−HK$856/mo
▼ 0.25% · 3.875%
HK$16,283
−HK$431/mo
Today · 4.125%
HK$16,714
baseline
▲ 0.50% · 4.625%
HK$17,595
+HK$881/mo
Deposit HK$1.34M · loan HK$3.13M · min. income ≈ HK$33,428/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$66,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,327
−HK$1,149/mo
▼ 0.25% · 3.875%
HK$18,897
−HK$579/mo
Today · 4.125%
HK$19,476
baseline
▲ 0.50% · 4.625%
HK$20,661
+HK$1,185/mo
Deposit HK$447K · loan HK$4.02M · min. income ≈ HK$38,952/mo (50% DSR)
Upfront cash ≈ HK$513K (deposit + AVD stamp duty HK$66,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,388
−HK$1,102/mo
▼ 0.25% · 3.875%
HK$20,935
−HK$555/mo
Today · 4.125%
HK$21,490
baseline
▲ 0.50% · 4.625%
HK$22,623
+HK$1,133/mo
Deposit HK$447K · loan HK$4.02M · min. income ≈ HK$42,980/mo (50% DSR)
Upfront cash ≈ HK$513K (deposit + AVD stamp duty HK$66,977 · 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).