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$10,447
−HK$655/mo
▼ 0.25% · 3.875%
HK$10,772
−HK$330/mo
Today · 4.125%
HK$11,102
baseline
▲ 0.50% · 4.625%
HK$11,778
+HK$676/mo
Deposit HK$2.29M · loan HK$2.29M · min. income ≈ HK$22,204/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$75,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,622
−HK$628/mo
▼ 0.25% · 3.875%
HK$11,934
−HK$316/mo
Today · 4.125%
HK$12,250
baseline
▲ 0.50% · 4.625%
HK$12,896
+HK$646/mo
Deposit HK$2.29M · loan HK$2.29M · min. income ≈ HK$24,500/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$75,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,536
−HK$787/mo
▼ 0.25% · 3.875%
HK$12,926
−HK$397/mo
Today · 4.125%
HK$13,323
baseline
▲ 0.50% · 4.625%
HK$14,133
+HK$810/mo
Deposit HK$1.83M · loan HK$2.75M · min. income ≈ HK$26,646/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$75,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,947
−HK$753/mo
▼ 0.25% · 3.875%
HK$14,321
−HK$379/mo
Today · 4.125%
HK$14,700
baseline
▲ 0.50% · 4.625%
HK$15,475
+HK$775/mo
Deposit HK$1.83M · loan HK$2.75M · min. income ≈ HK$29,400/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$75,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,626
−HK$917/mo
▼ 0.25% · 3.875%
HK$15,081
−HK$462/mo
Today · 4.125%
HK$15,543
baseline
▲ 0.50% · 4.625%
HK$16,489
+HK$946/mo
Deposit HK$1.37M · loan HK$3.21M · min. income ≈ HK$31,086/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$75,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,271
−HK$879/mo
▼ 0.25% · 3.875%
HK$16,708
−HK$442/mo
Today · 4.125%
HK$17,150
baseline
▲ 0.50% · 4.625%
HK$18,054
+HK$904/mo
Deposit HK$1.37M · loan HK$3.21M · min. income ≈ HK$34,300/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$75,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,805
−HK$1,179/mo
▼ 0.25% · 3.875%
HK$19,390
−HK$594/mo
Today · 4.125%
HK$19,984
baseline
▲ 0.50% · 4.625%
HK$21,200
+HK$1,216/mo
Deposit HK$458K · loan HK$4.12M · min. income ≈ HK$39,968/mo (50% DSR)
Upfront cash ≈ HK$534K (deposit + AVD stamp duty HK$75,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,920
−HK$1,130/mo
▼ 0.25% · 3.875%
HK$21,481
−HK$569/mo
Today · 4.125%
HK$22,050
baseline
▲ 0.50% · 4.625%
HK$23,213
+HK$1,163/mo
Deposit HK$458K · loan HK$4.12M · min. income ≈ HK$44,100/mo (50% DSR)
Upfront cash ≈ HK$534K (deposit + AVD stamp duty HK$75,653 · 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).