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$10,173
−HK$638/mo
▼ 0.25% · 3.875%
HK$10,490
−HK$321/mo
Today · 4.125%
HK$10,811
baseline
▲ 0.50% · 4.625%
HK$11,469
+HK$658/mo
Deposit HK$2.23M · loan HK$2.23M · min. income ≈ HK$21,622/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$66,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,318
−HK$611/mo
▼ 0.25% · 3.875%
HK$11,621
−HK$308/mo
Today · 4.125%
HK$11,929
baseline
▲ 0.50% · 4.625%
HK$12,558
+HK$629/mo
Deposit HK$2.23M · loan HK$2.23M · min. income ≈ HK$23,858/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$66,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,208
−HK$765/mo
▼ 0.25% · 3.875%
HK$12,588
−HK$385/mo
Today · 4.125%
HK$12,973
baseline
▲ 0.50% · 4.625%
HK$13,763
+HK$790/mo
Deposit HK$1.78M · loan HK$2.68M · min. income ≈ HK$25,946/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$66,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,581
−HK$734/mo
▼ 0.25% · 3.875%
HK$13,945
−HK$370/mo
Today · 4.125%
HK$14,315
baseline
▲ 0.50% · 4.625%
HK$15,069
+HK$754/mo
Deposit HK$1.78M · loan HK$2.68M · min. income ≈ HK$28,630/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$66,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,242
−HK$894/mo
▼ 0.25% · 3.875%
HK$14,685
−HK$451/mo
Today · 4.125%
HK$15,136
baseline
▲ 0.50% · 4.625%
HK$16,057
+HK$921/mo
Deposit HK$1.34M · loan HK$3.12M · min. income ≈ HK$30,272/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$66,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,845
−HK$856/mo
▼ 0.25% · 3.875%
HK$16,270
−HK$431/mo
Today · 4.125%
HK$16,701
baseline
▲ 0.50% · 4.625%
HK$17,581
+HK$880/mo
Deposit HK$1.34M · loan HK$3.12M · min. income ≈ HK$33,402/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$66,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,312
−HK$1,148/mo
▼ 0.25% · 3.875%
HK$18,881
−HK$579/mo
Today · 4.125%
HK$19,460
baseline
▲ 0.50% · 4.625%
HK$20,644
+HK$1,184/mo
Deposit HK$446K · loan HK$4.02M · min. income ≈ HK$38,920/mo (50% DSR)
Upfront cash ≈ HK$513K (deposit + AVD stamp duty HK$66,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,372
−HK$1,100/mo
▼ 0.25% · 3.875%
HK$20,918
−HK$554/mo
Today · 4.125%
HK$21,472
baseline
▲ 0.50% · 4.625%
HK$22,604
+HK$1,132/mo
Deposit HK$446K · loan HK$4.02M · min. income ≈ HK$42,944/mo (50% DSR)
Upfront cash ≈ HK$513K (deposit + AVD stamp duty HK$66,922 · 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).