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$10,383
−HK$651/mo
▼ 0.25% · 3.875%
HK$10,706
−HK$328/mo
Today · 4.125%
HK$11,034
baseline
▲ 0.50% · 4.625%
HK$11,705
+HK$671/mo
Deposit HK$2.28M · loan HK$2.28M · min. income ≈ HK$22,068/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$72,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,551
−HK$624/mo
▼ 0.25% · 3.875%
HK$11,861
−HK$314/mo
Today · 4.125%
HK$12,175
baseline
▲ 0.50% · 4.625%
HK$12,817
+HK$642/mo
Deposit HK$2.28M · loan HK$2.28M · min. income ≈ HK$24,350/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$72,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,459
−HK$782/mo
▼ 0.25% · 3.875%
HK$12,847
−HK$394/mo
Today · 4.125%
HK$13,241
baseline
▲ 0.50% · 4.625%
HK$14,046
+HK$805/mo
Deposit HK$1.82M · loan HK$2.73M · min. income ≈ HK$26,482/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$72,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,861
−HK$749/mo
▼ 0.25% · 3.875%
HK$14,233
−HK$377/mo
Today · 4.125%
HK$14,610
baseline
▲ 0.50% · 4.625%
HK$15,380
+HK$770/mo
Deposit HK$1.82M · loan HK$2.73M · min. income ≈ HK$29,220/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$72,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,536
−HK$912/mo
▼ 0.25% · 3.875%
HK$14,988
−HK$460/mo
Today · 4.125%
HK$15,448
baseline
▲ 0.50% · 4.625%
HK$16,388
+HK$940/mo
Deposit HK$1.37M · loan HK$3.19M · min. income ≈ HK$30,896/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$72,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,171
−HK$874/mo
▼ 0.25% · 3.875%
HK$16,605
−HK$440/mo
Today · 4.125%
HK$17,045
baseline
▲ 0.50% · 4.625%
HK$17,943
+HK$898/mo
Deposit HK$1.37M · loan HK$3.19M · min. income ≈ HK$34,090/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$72,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,689
−HK$1,172/mo
▼ 0.25% · 3.875%
HK$19,271
−HK$590/mo
Today · 4.125%
HK$19,861
baseline
▲ 0.50% · 4.625%
HK$21,070
+HK$1,209/mo
Deposit HK$455K · loan HK$4.10M · min. income ≈ HK$39,722/mo (50% DSR)
Upfront cash ≈ HK$528K (deposit + AVD stamp duty HK$72,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,792
−HK$1,123/mo
▼ 0.25% · 3.875%
HK$21,349
−HK$566/mo
Today · 4.125%
HK$21,915
baseline
▲ 0.50% · 4.625%
HK$23,070
+HK$1,155/mo
Deposit HK$455K · loan HK$4.10M · min. income ≈ HK$43,830/mo (50% DSR)
Upfront cash ≈ HK$528K (deposit + AVD stamp duty HK$72,838 · 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).