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$10,460
−HK$655/mo
▼ 0.25% · 3.875%
HK$10,785
−HK$330/mo
Today · 4.125%
HK$11,115
baseline
▲ 0.50% · 4.625%
HK$11,792
+HK$677/mo
Deposit HK$2.29M · loan HK$2.29M · min. income ≈ HK$22,230/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$76,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,636
−HK$629/mo
▼ 0.25% · 3.875%
HK$11,948
−HK$317/mo
Today · 4.125%
HK$12,265
baseline
▲ 0.50% · 4.625%
HK$12,911
+HK$646/mo
Deposit HK$2.29M · loan HK$2.29M · min. income ≈ HK$24,530/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$76,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,551
−HK$788/mo
▼ 0.25% · 3.875%
HK$12,942
−HK$397/mo
Today · 4.125%
HK$13,339
baseline
▲ 0.50% · 4.625%
HK$14,150
+HK$811/mo
Deposit HK$1.83M · loan HK$2.75M · min. income ≈ HK$26,678/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$76,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,963
−HK$755/mo
▼ 0.25% · 3.875%
HK$14,338
−HK$380/mo
Today · 4.125%
HK$14,718
baseline
▲ 0.50% · 4.625%
HK$15,494
+HK$776/mo
Deposit HK$1.83M · loan HK$2.75M · min. income ≈ HK$29,436/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$76,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,643
−HK$919/mo
▼ 0.25% · 3.875%
HK$15,099
−HK$463/mo
Today · 4.125%
HK$15,562
baseline
▲ 0.50% · 4.625%
HK$16,509
+HK$947/mo
Deposit HK$1.38M · loan HK$3.21M · min. income ≈ HK$31,124/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$76,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,291
−HK$880/mo
▼ 0.25% · 3.875%
HK$16,727
−HK$444/mo
Today · 4.125%
HK$17,171
baseline
▲ 0.50% · 4.625%
HK$18,076
+HK$905/mo
Deposit HK$1.38M · loan HK$3.21M · min. income ≈ HK$34,342/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$76,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,827
−HK$1,181/mo
▼ 0.25% · 3.875%
HK$19,413
−HK$595/mo
Today · 4.125%
HK$20,008
baseline
▲ 0.50% · 4.625%
HK$21,225
+HK$1,217/mo
Deposit HK$459K · loan HK$4.13M · min. income ≈ HK$40,016/mo (50% DSR)
Upfront cash ≈ HK$535K (deposit + AVD stamp duty HK$76,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,945
−HK$1,132/mo
▼ 0.25% · 3.875%
HK$21,507
−HK$570/mo
Today · 4.125%
HK$22,077
baseline
▲ 0.50% · 4.625%
HK$23,240
+HK$1,163/mo
Deposit HK$459K · loan HK$4.13M · min. income ≈ HK$44,154/mo (50% DSR)
Upfront cash ≈ HK$535K (deposit + AVD stamp duty HK$76,200 · 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).