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$10,301
−HK$646/mo
▼ 0.25% · 3.875%
HK$10,621
−HK$326/mo
Today · 4.125%
HK$10,947
baseline
▲ 0.50% · 4.625%
HK$11,613
+HK$666/mo
Deposit HK$2.26M · loan HK$2.26M · min. income ≈ HK$21,894/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$69,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,459
−HK$620/mo
▼ 0.25% · 3.875%
HK$11,767
−HK$312/mo
Today · 4.125%
HK$12,079
baseline
▲ 0.50% · 4.625%
HK$12,715
+HK$636/mo
Deposit HK$2.26M · loan HK$2.26M · min. income ≈ HK$24,158/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$69,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,361
−HK$775/mo
▼ 0.25% · 3.875%
HK$12,745
−HK$391/mo
Today · 4.125%
HK$13,136
baseline
▲ 0.50% · 4.625%
HK$13,935
+HK$799/mo
Deposit HK$1.81M · loan HK$2.71M · min. income ≈ HK$26,272/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$69,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,751
−HK$743/mo
▼ 0.25% · 3.875%
HK$14,120
−HK$374/mo
Today · 4.125%
HK$14,494
baseline
▲ 0.50% · 4.625%
HK$15,258
+HK$764/mo
Deposit HK$1.81M · loan HK$2.71M · min. income ≈ HK$28,988/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$69,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,421
−HK$904/mo
▼ 0.25% · 3.875%
HK$14,870
−HK$455/mo
Today · 4.125%
HK$15,325
baseline
▲ 0.50% · 4.625%
HK$16,258
+HK$933/mo
Deposit HK$1.36M · loan HK$3.16M · min. income ≈ HK$30,650/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$69,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,043
−HK$867/mo
▼ 0.25% · 3.875%
HK$16,473
−HK$437/mo
Today · 4.125%
HK$16,910
baseline
▲ 0.50% · 4.625%
HK$17,801
+HK$891/mo
Deposit HK$1.36M · loan HK$3.16M · min. income ≈ HK$33,820/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$69,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,541
−HK$1,163/mo
▼ 0.25% · 3.875%
HK$19,118
−HK$586/mo
Today · 4.125%
HK$19,704
baseline
▲ 0.50% · 4.625%
HK$20,903
+HK$1,199/mo
Deposit HK$452K · loan HK$4.07M · min. income ≈ HK$39,408/mo (50% DSR)
Upfront cash ≈ HK$521K (deposit + AVD stamp duty HK$69,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,627
−HK$1,114/mo
▼ 0.25% · 3.875%
HK$21,180
−HK$561/mo
Today · 4.125%
HK$21,741
baseline
▲ 0.50% · 4.625%
HK$22,887
+HK$1,146/mo
Deposit HK$452K · loan HK$4.07M · min. income ≈ HK$43,482/mo (50% DSR)
Upfront cash ≈ HK$521K (deposit + AVD stamp duty HK$69,235 · 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).