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$10,294
−HK$645/mo
▼ 0.25% · 3.875%
HK$10,614
−HK$325/mo
Today · 4.125%
HK$10,939
baseline
▲ 0.50% · 4.625%
HK$11,605
+HK$666/mo
Deposit HK$2.26M · loan HK$2.26M · min. income ≈ HK$21,878/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$68,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,452
−HK$618/mo
▼ 0.25% · 3.875%
HK$11,759
−HK$311/mo
Today · 4.125%
HK$12,070
baseline
▲ 0.50% · 4.625%
HK$12,707
+HK$637/mo
Deposit HK$2.26M · loan HK$2.26M · min. income ≈ HK$24,140/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$68,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,352
−HK$775/mo
▼ 0.25% · 3.875%
HK$12,737
−HK$390/mo
Today · 4.125%
HK$13,127
baseline
▲ 0.50% · 4.625%
HK$13,926
+HK$799/mo
Deposit HK$1.81M · loan HK$2.71M · min. income ≈ HK$26,254/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$68,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,742
−HK$742/mo
▼ 0.25% · 3.875%
HK$14,110
−HK$374/mo
Today · 4.125%
HK$14,484
baseline
▲ 0.50% · 4.625%
HK$15,248
+HK$764/mo
Deposit HK$1.81M · loan HK$2.71M · min. income ≈ HK$28,968/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$68,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,411
−HK$904/mo
▼ 0.25% · 3.875%
HK$14,859
−HK$456/mo
Today · 4.125%
HK$15,315
baseline
▲ 0.50% · 4.625%
HK$16,247
+HK$932/mo
Deposit HK$1.35M · loan HK$3.16M · min. income ≈ HK$30,630/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$68,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,032
−HK$866/mo
▼ 0.25% · 3.875%
HK$16,462
−HK$436/mo
Today · 4.125%
HK$16,898
baseline
▲ 0.50% · 4.625%
HK$17,789
+HK$891/mo
Deposit HK$1.35M · loan HK$3.16M · min. income ≈ HK$33,796/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$68,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,529
−HK$1,161/mo
▼ 0.25% · 3.875%
HK$19,105
−HK$585/mo
Today · 4.125%
HK$19,690
baseline
▲ 0.50% · 4.625%
HK$20,889
+HK$1,199/mo
Deposit HK$451K · loan HK$4.06M · min. income ≈ HK$39,380/mo (50% DSR)
Upfront cash ≈ HK$520K (deposit + AVD stamp duty HK$68,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,613
−HK$1,114/mo
▼ 0.25% · 3.875%
HK$21,166
−HK$561/mo
Today · 4.125%
HK$21,727
baseline
▲ 0.50% · 4.625%
HK$22,872
+HK$1,145/mo
Deposit HK$451K · loan HK$4.06M · min. income ≈ HK$43,454/mo (50% DSR)
Upfront cash ≈ HK$520K (deposit + AVD stamp duty HK$68,926 · 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).