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$10,196
−HK$639/mo
▼ 0.25% · 3.875%
HK$10,513
−HK$322/mo
Today · 4.125%
HK$10,835
baseline
▲ 0.50% · 4.625%
HK$11,494
+HK$659/mo
Deposit HK$2.24M · loan HK$2.24M · min. income ≈ HK$21,670/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$67,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,343
−HK$612/mo
▼ 0.25% · 3.875%
HK$11,647
−HK$308/mo
Today · 4.125%
HK$11,955
baseline
▲ 0.50% · 4.625%
HK$12,586
+HK$631/mo
Deposit HK$2.24M · loan HK$2.24M · min. income ≈ HK$23,910/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$67,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,235
−HK$767/mo
▼ 0.25% · 3.875%
HK$12,615
−HK$387/mo
Today · 4.125%
HK$13,002
baseline
▲ 0.50% · 4.625%
HK$13,793
+HK$791/mo
Deposit HK$1.79M · loan HK$2.68M · min. income ≈ HK$26,004/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$67,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,611
−HK$735/mo
▼ 0.25% · 3.875%
HK$13,976
−HK$370/mo
Today · 4.125%
HK$14,346
baseline
▲ 0.50% · 4.625%
HK$15,103
+HK$757/mo
Deposit HK$1.79M · loan HK$2.68M · min. income ≈ HK$28,692/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$67,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,274
−HK$895/mo
▼ 0.25% · 3.875%
HK$14,718
−HK$451/mo
Today · 4.125%
HK$15,169
baseline
▲ 0.50% · 4.625%
HK$16,092
+HK$923/mo
Deposit HK$1.34M · loan HK$3.13M · min. income ≈ HK$30,338/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$67,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,880
−HK$858/mo
▼ 0.25% · 3.875%
HK$16,306
−HK$432/mo
Today · 4.125%
HK$16,738
baseline
▲ 0.50% · 4.625%
HK$17,620
+HK$882/mo
Deposit HK$1.34M · loan HK$3.13M · min. income ≈ HK$33,476/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$67,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,352
−HK$1,151/mo
▼ 0.25% · 3.875%
HK$18,923
−HK$580/mo
Today · 4.125%
HK$19,503
baseline
▲ 0.50% · 4.625%
HK$20,690
+HK$1,187/mo
Deposit HK$447K · loan HK$4.02M · min. income ≈ HK$39,006/mo (50% DSR)
Upfront cash ≈ HK$514K (deposit + AVD stamp duty HK$67,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,417
−HK$1,103/mo
▼ 0.25% · 3.875%
HK$20,964
−HK$556/mo
Today · 4.125%
HK$21,520
baseline
▲ 0.50% · 4.625%
HK$22,654
+HK$1,134/mo
Deposit HK$447K · loan HK$4.02M · min. income ≈ HK$43,040/mo (50% DSR)
Upfront cash ≈ HK$514K (deposit + AVD stamp duty HK$67,070 · 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).