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$10,169
−HK$638/mo
▼ 0.25% · 3.875%
HK$10,485
−HK$322/mo
Today · 4.125%
HK$10,807
baseline
▲ 0.50% · 4.625%
HK$11,464
+HK$657/mo
Deposit HK$2.23M · loan HK$2.23M · min. income ≈ HK$21,614/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$66,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,313
−HK$611/mo
▼ 0.25% · 3.875%
HK$11,616
−HK$308/mo
Today · 4.125%
HK$11,924
baseline
▲ 0.50% · 4.625%
HK$12,553
+HK$629/mo
Deposit HK$2.23M · loan HK$2.23M · min. income ≈ HK$23,848/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$66,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,203
−HK$765/mo
▼ 0.25% · 3.875%
HK$12,582
−HK$386/mo
Today · 4.125%
HK$12,968
baseline
▲ 0.50% · 4.625%
HK$13,757
+HK$789/mo
Deposit HK$1.78M · loan HK$2.68M · min. income ≈ HK$25,936/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$66,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,575
−HK$734/mo
▼ 0.25% · 3.875%
HK$13,940
−HK$369/mo
Today · 4.125%
HK$14,309
baseline
▲ 0.50% · 4.625%
HK$15,063
+HK$754/mo
Deposit HK$1.78M · loan HK$2.68M · min. income ≈ HK$28,618/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$66,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,237
−HK$892/mo
▼ 0.25% · 3.875%
HK$14,679
−HK$450/mo
Today · 4.125%
HK$15,129
baseline
▲ 0.50% · 4.625%
HK$16,050
+HK$921/mo
Deposit HK$1.34M · loan HK$3.12M · min. income ≈ HK$30,258/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$66,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,838
−HK$856/mo
▼ 0.25% · 3.875%
HK$16,263
−HK$431/mo
Today · 4.125%
HK$16,694
baseline
▲ 0.50% · 4.625%
HK$17,574
+HK$880/mo
Deposit HK$1.34M · loan HK$3.12M · min. income ≈ HK$33,388/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$66,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,304
−HK$1,148/mo
▼ 0.25% · 3.875%
HK$18,874
−HK$578/mo
Today · 4.125%
HK$19,452
baseline
▲ 0.50% · 4.625%
HK$20,636
+HK$1,184/mo
Deposit HK$446K · loan HK$4.01M · min. income ≈ HK$38,904/mo (50% DSR)
Upfront cash ≈ HK$513K (deposit + AVD stamp duty HK$66,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,363
−HK$1,100/mo
▼ 0.25% · 3.875%
HK$20,909
−HK$554/mo
Today · 4.125%
HK$21,463
baseline
▲ 0.50% · 4.625%
HK$22,595
+HK$1,132/mo
Deposit HK$446K · loan HK$4.01M · min. income ≈ HK$42,926/mo (50% DSR)
Upfront cash ≈ HK$513K (deposit + AVD stamp duty HK$66,894 · 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).