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$10,322
−HK$648/mo
▼ 0.25% · 3.875%
HK$10,643
−HK$327/mo
Today · 4.125%
HK$10,970
baseline
▲ 0.50% · 4.625%
HK$11,637
+HK$667/mo
Deposit HK$2.26M · loan HK$2.26M · min. income ≈ HK$21,940/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$70,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,483
−HK$621/mo
▼ 0.25% · 3.875%
HK$11,791
−HK$313/mo
Today · 4.125%
HK$12,104
baseline
▲ 0.50% · 4.625%
HK$12,742
+HK$638/mo
Deposit HK$2.26M · loan HK$2.26M · min. income ≈ HK$24,208/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$70,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,387
−HK$777/mo
▼ 0.25% · 3.875%
HK$12,772
−HK$392/mo
Today · 4.125%
HK$13,164
baseline
▲ 0.50% · 4.625%
HK$13,965
+HK$801/mo
Deposit HK$1.81M · loan HK$2.72M · min. income ≈ HK$26,328/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$70,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,780
−HK$745/mo
▼ 0.25% · 3.875%
HK$14,150
−HK$375/mo
Today · 4.125%
HK$14,525
baseline
▲ 0.50% · 4.625%
HK$15,290
+HK$765/mo
Deposit HK$1.81M · loan HK$2.72M · min. income ≈ HK$29,050/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$70,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,451
−HK$906/mo
▼ 0.25% · 3.875%
HK$14,901
−HK$456/mo
Today · 4.125%
HK$15,357
baseline
▲ 0.50% · 4.625%
HK$16,292
+HK$935/mo
Deposit HK$1.36M · loan HK$3.17M · min. income ≈ HK$30,714/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$70,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,077
−HK$868/mo
▼ 0.25% · 3.875%
HK$16,508
−HK$437/mo
Today · 4.125%
HK$16,945
baseline
▲ 0.50% · 4.625%
HK$17,839
+HK$894/mo
Deposit HK$1.36M · loan HK$3.17M · min. income ≈ HK$33,890/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$70,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,580
−HK$1,165/mo
▼ 0.25% · 3.875%
HK$19,158
−HK$587/mo
Today · 4.125%
HK$19,745
baseline
▲ 0.50% · 4.625%
HK$20,947
+HK$1,202/mo
Deposit HK$453K · loan HK$4.07M · min. income ≈ HK$39,490/mo (50% DSR)
Upfront cash ≈ HK$523K (deposit + AVD stamp duty HK$70,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,670
−HK$1,117/mo
▼ 0.25% · 3.875%
HK$21,225
−HK$562/mo
Today · 4.125%
HK$21,787
baseline
▲ 0.50% · 4.625%
HK$22,935
+HK$1,148/mo
Deposit HK$453K · loan HK$4.07M · min. income ≈ HK$43,574/mo (50% DSR)
Upfront cash ≈ HK$523K (deposit + AVD stamp duty HK$70,184 · 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).