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$10,179
−HK$639/mo
▼ 0.25% · 3.875%
HK$10,496
−HK$322/mo
Today · 4.125%
HK$10,818
baseline
▲ 0.50% · 4.625%
HK$11,476
+HK$658/mo
Deposit HK$2.23M · loan HK$2.23M · min. income ≈ HK$21,636/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$66,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,324
−HK$612/mo
▼ 0.25% · 3.875%
HK$11,628
−HK$308/mo
Today · 4.125%
HK$11,936
baseline
▲ 0.50% · 4.625%
HK$12,565
+HK$629/mo
Deposit HK$2.23M · loan HK$2.23M · min. income ≈ HK$23,872/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$66,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,215
−HK$766/mo
▼ 0.25% · 3.875%
HK$12,595
−HK$386/mo
Today · 4.125%
HK$12,981
baseline
▲ 0.50% · 4.625%
HK$13,771
+HK$790/mo
Deposit HK$1.79M · loan HK$2.68M · min. income ≈ HK$25,962/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$66,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,589
−HK$734/mo
▼ 0.25% · 3.875%
HK$13,954
−HK$369/mo
Today · 4.125%
HK$14,323
baseline
▲ 0.50% · 4.625%
HK$15,078
+HK$755/mo
Deposit HK$1.79M · loan HK$2.68M · min. income ≈ HK$28,646/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$66,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,251
−HK$894/mo
▼ 0.25% · 3.875%
HK$14,694
−HK$451/mo
Today · 4.125%
HK$15,145
baseline
▲ 0.50% · 4.625%
HK$16,066
+HK$921/mo
Deposit HK$1.34M · loan HK$3.12M · min. income ≈ HK$30,290/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$66,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,854
−HK$857/mo
▼ 0.25% · 3.875%
HK$16,279
−HK$432/mo
Today · 4.125%
HK$16,711
baseline
▲ 0.50% · 4.625%
HK$17,591
+HK$880/mo
Deposit HK$1.34M · loan HK$3.12M · min. income ≈ HK$33,422/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$66,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,323
−HK$1,149/mo
▼ 0.25% · 3.875%
HK$18,893
−HK$579/mo
Today · 4.125%
HK$19,472
baseline
▲ 0.50% · 4.625%
HK$20,656
+HK$1,184/mo
Deposit HK$446K · loan HK$4.02M · min. income ≈ HK$38,944/mo (50% DSR)
Upfront cash ≈ HK$513K (deposit + AVD stamp duty HK$66,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,384
−HK$1,101/mo
▼ 0.25% · 3.875%
HK$20,930
−HK$555/mo
Today · 4.125%
HK$21,485
baseline
▲ 0.50% · 4.625%
HK$22,618
+HK$1,133/mo
Deposit HK$446K · loan HK$4.02M · min. income ≈ HK$42,970/mo (50% DSR)
Upfront cash ≈ HK$513K (deposit + AVD stamp duty HK$66,962 · 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).