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$10,288
−HK$645/mo
▼ 0.25% · 3.875%
HK$10,608
−HK$325/mo
Today · 4.125%
HK$10,933
baseline
▲ 0.50% · 4.625%
HK$11,599
+HK$666/mo
Deposit HK$2.26M · loan HK$2.26M · min. income ≈ HK$21,866/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$68,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,445
−HK$619/mo
▼ 0.25% · 3.875%
HK$11,752
−HK$312/mo
Today · 4.125%
HK$12,064
baseline
▲ 0.50% · 4.625%
HK$12,700
+HK$636/mo
Deposit HK$2.26M · loan HK$2.26M · min. income ≈ HK$24,128/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$68,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,346
−HK$774/mo
▼ 0.25% · 3.875%
HK$12,730
−HK$390/mo
Today · 4.125%
HK$13,120
baseline
▲ 0.50% · 4.625%
HK$13,918
+HK$798/mo
Deposit HK$1.80M · loan HK$2.71M · min. income ≈ HK$26,240/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$68,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,735
−HK$742/mo
▼ 0.25% · 3.875%
HK$14,103
−HK$374/mo
Today · 4.125%
HK$14,477
baseline
▲ 0.50% · 4.625%
HK$15,240
+HK$763/mo
Deposit HK$1.80M · loan HK$2.71M · min. income ≈ HK$28,954/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$68,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,403
−HK$904/mo
▼ 0.25% · 3.875%
HK$14,851
−HK$456/mo
Today · 4.125%
HK$15,307
baseline
▲ 0.50% · 4.625%
HK$16,238
+HK$931/mo
Deposit HK$1.35M · loan HK$3.16M · min. income ≈ HK$30,614/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$68,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,024
−HK$865/mo
▼ 0.25% · 3.875%
HK$16,453
−HK$436/mo
Today · 4.125%
HK$16,889
baseline
▲ 0.50% · 4.625%
HK$17,780
+HK$891/mo
Deposit HK$1.35M · loan HK$3.16M · min. income ≈ HK$33,778/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$68,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,519
−HK$1,161/mo
▼ 0.25% · 3.875%
HK$19,095
−HK$585/mo
Today · 4.125%
HK$19,680
baseline
▲ 0.50% · 4.625%
HK$20,877
+HK$1,197/mo
Deposit HK$451K · loan HK$4.06M · min. income ≈ HK$39,360/mo (50% DSR)
Upfront cash ≈ HK$520K (deposit + AVD stamp duty HK$68,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,602
−HK$1,113/mo
▼ 0.25% · 3.875%
HK$21,154
−HK$561/mo
Today · 4.125%
HK$21,715
baseline
▲ 0.50% · 4.625%
HK$22,859
+HK$1,144/mo
Deposit HK$451K · loan HK$4.06M · min. income ≈ HK$43,430/mo (50% DSR)
Upfront cash ≈ HK$520K (deposit + AVD stamp duty HK$68,683 · 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).