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$10,371
−HK$651/mo
▼ 0.25% · 3.875%
HK$10,694
−HK$328/mo
Today · 4.125%
HK$11,022
baseline
▲ 0.50% · 4.625%
HK$11,692
+HK$670/mo
Deposit HK$2.27M · loan HK$2.27M · min. income ≈ HK$22,044/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$72,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,538
−HK$623/mo
▼ 0.25% · 3.875%
HK$11,848
−HK$313/mo
Today · 4.125%
HK$12,161
baseline
▲ 0.50% · 4.625%
HK$12,802
+HK$641/mo
Deposit HK$2.27M · loan HK$2.27M · min. income ≈ HK$24,322/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$72,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,446
−HK$780/mo
▼ 0.25% · 3.875%
HK$12,833
−HK$393/mo
Today · 4.125%
HK$13,226
baseline
▲ 0.50% · 4.625%
HK$14,031
+HK$805/mo
Deposit HK$1.82M · loan HK$2.73M · min. income ≈ HK$26,452/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$72,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,846
−HK$748/mo
▼ 0.25% · 3.875%
HK$14,217
−HK$377/mo
Today · 4.125%
HK$14,594
baseline
▲ 0.50% · 4.625%
HK$15,363
+HK$769/mo
Deposit HK$1.82M · loan HK$2.73M · min. income ≈ HK$29,188/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$72,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,520
−HK$910/mo
▼ 0.25% · 3.875%
HK$14,972
−HK$458/mo
Today · 4.125%
HK$15,430
baseline
▲ 0.50% · 4.625%
HK$16,369
+HK$939/mo
Deposit HK$1.36M · loan HK$3.18M · min. income ≈ HK$30,860/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$72,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,153
−HK$873/mo
▼ 0.25% · 3.875%
HK$16,587
−HK$439/mo
Today · 4.125%
HK$17,026
baseline
▲ 0.50% · 4.625%
HK$17,923
+HK$897/mo
Deposit HK$1.36M · loan HK$3.18M · min. income ≈ HK$34,052/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$72,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,669
−HK$1,170/mo
▼ 0.25% · 3.875%
HK$19,249
−HK$590/mo
Today · 4.125%
HK$19,839
baseline
▲ 0.50% · 4.625%
HK$21,046
+HK$1,207/mo
Deposit HK$455K · loan HK$4.09M · min. income ≈ HK$39,678/mo (50% DSR)
Upfront cash ≈ HK$527K (deposit + AVD stamp duty HK$72,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,769
−HK$1,122/mo
▼ 0.25% · 3.875%
HK$21,326
−HK$565/mo
Today · 4.125%
HK$21,891
baseline
▲ 0.50% · 4.625%
HK$23,044
+HK$1,153/mo
Deposit HK$455K · loan HK$4.09M · min. income ≈ HK$43,782/mo (50% DSR)
Upfront cash ≈ HK$527K (deposit + AVD stamp duty HK$72,335 · 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).