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$10,383
−HK$651/mo
▼ 0.25% · 3.875%
HK$10,706
−HK$328/mo
Today · 4.125%
HK$11,034
baseline
▲ 0.50% · 4.625%
HK$11,705
+HK$671/mo
Deposit HK$2.28M · loan HK$2.28M · min. income ≈ HK$22,068/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$72,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,551
−HK$624/mo
▼ 0.25% · 3.875%
HK$11,860
−HK$315/mo
Today · 4.125%
HK$12,175
baseline
▲ 0.50% · 4.625%
HK$12,816
+HK$641/mo
Deposit HK$2.28M · loan HK$2.28M · min. income ≈ HK$24,350/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$72,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,459
−HK$781/mo
▼ 0.25% · 3.875%
HK$12,847
−HK$393/mo
Today · 4.125%
HK$13,240
baseline
▲ 0.50% · 4.625%
HK$14,046
+HK$806/mo
Deposit HK$1.82M · loan HK$2.73M · min. income ≈ HK$26,480/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$72,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,861
−HK$748/mo
▼ 0.25% · 3.875%
HK$14,232
−HK$377/mo
Today · 4.125%
HK$14,609
baseline
▲ 0.50% · 4.625%
HK$15,380
+HK$771/mo
Deposit HK$1.82M · loan HK$2.73M · min. income ≈ HK$29,218/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$72,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,536
−HK$911/mo
▼ 0.25% · 3.875%
HK$14,988
−HK$459/mo
Today · 4.125%
HK$15,447
baseline
▲ 0.50% · 4.625%
HK$16,387
+HK$940/mo
Deposit HK$1.37M · loan HK$3.19M · min. income ≈ HK$30,894/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$72,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,171
−HK$873/mo
▼ 0.25% · 3.875%
HK$16,604
−HK$440/mo
Today · 4.125%
HK$17,044
baseline
▲ 0.50% · 4.625%
HK$17,943
+HK$899/mo
Deposit HK$1.37M · loan HK$3.19M · min. income ≈ HK$34,088/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$72,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,689
−HK$1,172/mo
▼ 0.25% · 3.875%
HK$19,270
−HK$591/mo
Today · 4.125%
HK$19,861
baseline
▲ 0.50% · 4.625%
HK$21,069
+HK$1,208/mo
Deposit HK$455K · loan HK$4.10M · min. income ≈ HK$39,722/mo (50% DSR)
Upfront cash ≈ HK$528K (deposit + AVD stamp duty HK$72,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,791
−HK$1,123/mo
▼ 0.25% · 3.875%
HK$21,349
−HK$565/mo
Today · 4.125%
HK$21,914
baseline
▲ 0.50% · 4.625%
HK$23,069
+HK$1,155/mo
Deposit HK$455K · loan HK$4.10M · min. income ≈ HK$43,828/mo (50% DSR)
Upfront cash ≈ HK$528K (deposit + AVD stamp duty HK$72,825 · 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).