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$10,210
−HK$640/mo
▼ 0.25% · 3.875%
HK$10,527
−HK$323/mo
Today · 4.125%
HK$10,850
baseline
▲ 0.50% · 4.625%
HK$11,510
+HK$660/mo
Deposit HK$2.24M · loan HK$2.24M · min. income ≈ HK$21,700/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$67,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,358
−HK$614/mo
▼ 0.25% · 3.875%
HK$11,663
−HK$309/mo
Today · 4.125%
HK$11,972
baseline
▲ 0.50% · 4.625%
HK$12,603
+HK$631/mo
Deposit HK$2.24M · loan HK$2.24M · min. income ≈ HK$23,944/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$67,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,252
−HK$768/mo
▼ 0.25% · 3.875%
HK$12,633
−HK$387/mo
Today · 4.125%
HK$13,020
baseline
▲ 0.50% · 4.625%
HK$13,812
+HK$792/mo
Deposit HK$1.79M · loan HK$2.69M · min. income ≈ HK$26,040/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$67,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,630
−HK$736/mo
▼ 0.25% · 3.875%
HK$13,995
−HK$371/mo
Today · 4.125%
HK$14,366
baseline
▲ 0.50% · 4.625%
HK$15,124
+HK$758/mo
Deposit HK$1.79M · loan HK$2.69M · min. income ≈ HK$28,732/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$67,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,294
−HK$896/mo
▼ 0.25% · 3.875%
HK$14,738
−HK$452/mo
Today · 4.125%
HK$15,190
baseline
▲ 0.50% · 4.625%
HK$16,114
+HK$924/mo
Deposit HK$1.34M · loan HK$3.13M · min. income ≈ HK$30,380/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$67,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,902
−HK$859/mo
▼ 0.25% · 3.875%
HK$16,328
−HK$433/mo
Today · 4.125%
HK$16,761
baseline
▲ 0.50% · 4.625%
HK$17,644
+HK$883/mo
Deposit HK$1.34M · loan HK$3.13M · min. income ≈ HK$33,522/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$67,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,378
−HK$1,152/mo
▼ 0.25% · 3.875%
HK$18,949
−HK$581/mo
Today · 4.125%
HK$19,530
baseline
▲ 0.50% · 4.625%
HK$20,718
+HK$1,188/mo
Deposit HK$448K · loan HK$4.03M · min. income ≈ HK$39,060/mo (50% DSR)
Upfront cash ≈ HK$515K (deposit + AVD stamp duty HK$67,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,445
−HK$1,104/mo
▼ 0.25% · 3.875%
HK$20,993
−HK$556/mo
Today · 4.125%
HK$21,549
baseline
▲ 0.50% · 4.625%
HK$22,685
+HK$1,136/mo
Deposit HK$448K · loan HK$4.03M · min. income ≈ HK$43,098/mo (50% DSR)
Upfront cash ≈ HK$515K (deposit + AVD stamp duty HK$67,162 · 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).