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$10,185
−HK$639/mo
▼ 0.25% · 3.875%
HK$10,502
−HK$322/mo
Today · 4.125%
HK$10,824
baseline
▲ 0.50% · 4.625%
HK$11,483
+HK$659/mo
Deposit HK$2.23M · loan HK$2.23M · min. income ≈ HK$21,648/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$67,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,331
−HK$612/mo
▼ 0.25% · 3.875%
HK$11,635
−HK$308/mo
Today · 4.125%
HK$11,943
baseline
▲ 0.50% · 4.625%
HK$12,573
+HK$630/mo
Deposit HK$2.23M · loan HK$2.23M · min. income ≈ HK$23,886/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$67,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,222
−HK$767/mo
▼ 0.25% · 3.875%
HK$12,602
−HK$387/mo
Today · 4.125%
HK$12,989
baseline
▲ 0.50% · 4.625%
HK$13,779
+HK$790/mo
Deposit HK$1.79M · loan HK$2.68M · min. income ≈ HK$25,978/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$67,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,597
−HK$735/mo
▼ 0.25% · 3.875%
HK$13,962
−HK$370/mo
Today · 4.125%
HK$14,332
baseline
▲ 0.50% · 4.625%
HK$15,087
+HK$755/mo
Deposit HK$1.79M · loan HK$2.68M · min. income ≈ HK$28,664/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$67,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,259
−HK$895/mo
▼ 0.25% · 3.875%
HK$14,703
−HK$451/mo
Today · 4.125%
HK$15,154
baseline
▲ 0.50% · 4.625%
HK$16,076
+HK$922/mo
Deposit HK$1.34M · loan HK$3.13M · min. income ≈ HK$30,308/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$67,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,863
−HK$857/mo
▼ 0.25% · 3.875%
HK$16,289
−HK$431/mo
Today · 4.125%
HK$16,720
baseline
▲ 0.50% · 4.625%
HK$17,602
+HK$882/mo
Deposit HK$1.34M · loan HK$3.13M · min. income ≈ HK$33,440/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$67,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,333
−HK$1,150/mo
▼ 0.25% · 3.875%
HK$18,904
−HK$579/mo
Today · 4.125%
HK$19,483
baseline
▲ 0.50% · 4.625%
HK$20,669
+HK$1,186/mo
Deposit HK$447K · loan HK$4.02M · min. income ≈ HK$38,966/mo (50% DSR)
Upfront cash ≈ HK$514K (deposit + AVD stamp duty HK$67,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,396
−HK$1,102/mo
▼ 0.25% · 3.875%
HK$20,943
−HK$555/mo
Today · 4.125%
HK$21,498
baseline
▲ 0.50% · 4.625%
HK$22,631
+HK$1,133/mo
Deposit HK$447K · loan HK$4.02M · min. income ≈ HK$42,996/mo (50% DSR)
Upfront cash ≈ HK$514K (deposit + AVD stamp duty HK$67,001 · 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).