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$10,212
−HK$640/mo
▼ 0.25% · 3.875%
HK$10,529
−HK$323/mo
Today · 4.125%
HK$10,852
baseline
▲ 0.50% · 4.625%
HK$11,512
+HK$660/mo
Deposit HK$2.24M · loan HK$2.24M · min. income ≈ HK$21,704/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$67,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,360
−HK$614/mo
▼ 0.25% · 3.875%
HK$11,665
−HK$309/mo
Today · 4.125%
HK$11,974
baseline
▲ 0.50% · 4.625%
HK$12,605
+HK$631/mo
Deposit HK$2.24M · loan HK$2.24M · min. income ≈ HK$23,948/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$67,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,254
−HK$768/mo
▼ 0.25% · 3.875%
HK$12,635
−HK$387/mo
Today · 4.125%
HK$13,022
baseline
▲ 0.50% · 4.625%
HK$13,815
+HK$793/mo
Deposit HK$1.79M · loan HK$2.69M · min. income ≈ HK$26,044/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$67,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,632
−HK$737/mo
▼ 0.25% · 3.875%
HK$13,998
−HK$371/mo
Today · 4.125%
HK$14,369
baseline
▲ 0.50% · 4.625%
HK$15,126
+HK$757/mo
Deposit HK$1.79M · loan HK$2.69M · min. income ≈ HK$28,738/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$67,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,296
−HK$897/mo
▼ 0.25% · 3.875%
HK$14,741
−HK$452/mo
Today · 4.125%
HK$15,193
baseline
▲ 0.50% · 4.625%
HK$16,117
+HK$924/mo
Deposit HK$1.34M · loan HK$3.13M · min. income ≈ HK$30,386/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$67,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,904
−HK$860/mo
▼ 0.25% · 3.875%
HK$16,331
−HK$433/mo
Today · 4.125%
HK$16,764
baseline
▲ 0.50% · 4.625%
HK$17,647
+HK$883/mo
Deposit HK$1.34M · loan HK$3.13M · min. income ≈ HK$33,528/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$67,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,381
−HK$1,152/mo
▼ 0.25% · 3.875%
HK$18,952
−HK$581/mo
Today · 4.125%
HK$19,533
baseline
▲ 0.50% · 4.625%
HK$20,722
+HK$1,189/mo
Deposit HK$448K · loan HK$4.03M · min. income ≈ HK$39,066/mo (50% DSR)
Upfront cash ≈ HK$515K (deposit + AVD stamp duty HK$67,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,448
−HK$1,105/mo
▼ 0.25% · 3.875%
HK$20,997
−HK$556/mo
Today · 4.125%
HK$21,553
baseline
▲ 0.50% · 4.625%
HK$22,689
+HK$1,136/mo
Deposit HK$448K · loan HK$4.03M · min. income ≈ HK$43,106/mo (50% DSR)
Upfront cash ≈ HK$515K (deposit + AVD stamp duty HK$67,174 · 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).