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$10,302
−HK$646/mo
▼ 0.25% · 3.875%
HK$10,623
−HK$325/mo
Today · 4.125%
HK$10,948
baseline
▲ 0.50% · 4.625%
HK$11,614
+HK$666/mo
Deposit HK$2.26M · loan HK$2.26M · min. income ≈ HK$21,896/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$69,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,461
−HK$619/mo
▼ 0.25% · 3.875%
HK$11,768
−HK$312/mo
Today · 4.125%
HK$12,080
baseline
▲ 0.50% · 4.625%
HK$12,717
+HK$637/mo
Deposit HK$2.26M · loan HK$2.26M · min. income ≈ HK$24,160/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$69,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,363
−HK$775/mo
▼ 0.25% · 3.875%
HK$12,747
−HK$391/mo
Today · 4.125%
HK$13,138
baseline
▲ 0.50% · 4.625%
HK$13,937
+HK$799/mo
Deposit HK$1.81M · loan HK$2.71M · min. income ≈ HK$26,276/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$69,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,753
−HK$743/mo
▼ 0.25% · 3.875%
HK$14,122
−HK$374/mo
Today · 4.125%
HK$14,496
baseline
▲ 0.50% · 4.625%
HK$15,260
+HK$764/mo
Deposit HK$1.81M · loan HK$2.71M · min. income ≈ HK$28,992/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$69,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,423
−HK$905/mo
▼ 0.25% · 3.875%
HK$14,872
−HK$456/mo
Today · 4.125%
HK$15,328
baseline
▲ 0.50% · 4.625%
HK$16,260
+HK$932/mo
Deposit HK$1.36M · loan HK$3.16M · min. income ≈ HK$30,656/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$69,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,046
−HK$866/mo
▼ 0.25% · 3.875%
HK$16,476
−HK$436/mo
Today · 4.125%
HK$16,912
baseline
▲ 0.50% · 4.625%
HK$17,804
+HK$892/mo
Deposit HK$1.36M · loan HK$3.16M · min. income ≈ HK$33,824/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$69,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,544
−HK$1,163/mo
▼ 0.25% · 3.875%
HK$19,121
−HK$586/mo
Today · 4.125%
HK$19,707
baseline
▲ 0.50% · 4.625%
HK$20,906
+HK$1,199/mo
Deposit HK$452K · loan HK$4.07M · min. income ≈ HK$39,414/mo (50% DSR)
Upfront cash ≈ HK$521K (deposit + AVD stamp duty HK$69,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,630
−HK$1,115/mo
▼ 0.25% · 3.875%
HK$21,183
−HK$562/mo
Today · 4.125%
HK$21,745
baseline
▲ 0.50% · 4.625%
HK$22,891
+HK$1,146/mo
Deposit HK$452K · loan HK$4.07M · min. income ≈ HK$43,490/mo (50% DSR)
Upfront cash ≈ HK$521K (deposit + AVD stamp duty HK$69,300 · 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).