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$10,354
−HK$650/mo
▼ 0.25% · 3.875%
HK$10,676
−HK$328/mo
Today · 4.125%
HK$11,004
baseline
▲ 0.50% · 4.625%
HK$11,673
+HK$669/mo
Deposit HK$2.27M · loan HK$2.27M · min. income ≈ HK$22,008/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$71,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,519
−HK$622/mo
▼ 0.25% · 3.875%
HK$11,828
−HK$313/mo
Today · 4.125%
HK$12,141
baseline
▲ 0.50% · 4.625%
HK$12,781
+HK$640/mo
Deposit HK$2.27M · loan HK$2.27M · min. income ≈ HK$24,282/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$71,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,425
−HK$779/mo
▼ 0.25% · 3.875%
HK$12,812
−HK$392/mo
Today · 4.125%
HK$13,204
baseline
▲ 0.50% · 4.625%
HK$14,008
+HK$804/mo
Deposit HK$1.82M · loan HK$2.72M · min. income ≈ HK$26,408/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$71,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,823
−HK$747/mo
▼ 0.25% · 3.875%
HK$14,194
−HK$376/mo
Today · 4.125%
HK$14,570
baseline
▲ 0.50% · 4.625%
HK$15,338
+HK$768/mo
Deposit HK$1.82M · loan HK$2.72M · min. income ≈ HK$29,140/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$71,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,496
−HK$909/mo
▼ 0.25% · 3.875%
HK$14,947
−HK$458/mo
Today · 4.125%
HK$15,405
baseline
▲ 0.50% · 4.625%
HK$16,342
+HK$937/mo
Deposit HK$1.36M · loan HK$3.18M · min. income ≈ HK$30,810/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$71,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,127
−HK$871/mo
▼ 0.25% · 3.875%
HK$16,559
−HK$439/mo
Today · 4.125%
HK$16,998
baseline
▲ 0.50% · 4.625%
HK$17,894
+HK$896/mo
Deposit HK$1.36M · loan HK$3.18M · min. income ≈ HK$33,996/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$71,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,638
−HK$1,169/mo
▼ 0.25% · 3.875%
HK$19,218
−HK$589/mo
Today · 4.125%
HK$19,807
baseline
▲ 0.50% · 4.625%
HK$21,012
+HK$1,205/mo
Deposit HK$454K · loan HK$4.09M · min. income ≈ HK$39,614/mo (50% DSR)
Upfront cash ≈ HK$526K (deposit + AVD stamp duty HK$71,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,734
−HK$1,121/mo
▼ 0.25% · 3.875%
HK$21,290
−HK$565/mo
Today · 4.125%
HK$21,855
baseline
▲ 0.50% · 4.625%
HK$23,007
+HK$1,152/mo
Deposit HK$454K · loan HK$4.09M · min. income ≈ HK$43,710/mo (50% DSR)
Upfront cash ≈ HK$526K (deposit + AVD stamp duty HK$71,587 · 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).