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$10,203
−HK$640/mo
▼ 0.25% · 3.875%
HK$10,521
−HK$322/mo
Today · 4.125%
HK$10,843
baseline
▲ 0.50% · 4.625%
HK$11,503
+HK$660/mo
Deposit HK$2.24M · loan HK$2.24M · min. income ≈ HK$21,686/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$67,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,351
−HK$613/mo
▼ 0.25% · 3.875%
HK$11,655
−HK$309/mo
Today · 4.125%
HK$11,964
baseline
▲ 0.50% · 4.625%
HK$12,595
+HK$631/mo
Deposit HK$2.24M · loan HK$2.24M · min. income ≈ HK$23,928/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$67,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,244
−HK$768/mo
▼ 0.25% · 3.875%
HK$12,625
−HK$387/mo
Today · 4.125%
HK$13,012
baseline
▲ 0.50% · 4.625%
HK$13,803
+HK$791/mo
Deposit HK$1.79M · loan HK$2.68M · min. income ≈ HK$26,024/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$67,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,621
−HK$736/mo
▼ 0.25% · 3.875%
HK$13,986
−HK$371/mo
Today · 4.125%
HK$14,357
baseline
▲ 0.50% · 4.625%
HK$15,114
+HK$757/mo
Deposit HK$1.79M · loan HK$2.68M · min. income ≈ HK$28,714/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$67,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,284
−HK$896/mo
▼ 0.25% · 3.875%
HK$14,729
−HK$451/mo
Today · 4.125%
HK$15,180
baseline
▲ 0.50% · 4.625%
HK$16,104
+HK$924/mo
Deposit HK$1.34M · loan HK$3.13M · min. income ≈ HK$30,360/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$67,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,891
−HK$859/mo
▼ 0.25% · 3.875%
HK$16,317
−HK$433/mo
Today · 4.125%
HK$16,750
baseline
▲ 0.50% · 4.625%
HK$17,633
+HK$883/mo
Deposit HK$1.34M · loan HK$3.13M · min. income ≈ HK$33,500/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$67,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,366
−HK$1,151/mo
▼ 0.25% · 3.875%
HK$18,937
−HK$580/mo
Today · 4.125%
HK$19,517
baseline
▲ 0.50% · 4.625%
HK$20,705
+HK$1,188/mo
Deposit HK$447K · loan HK$4.03M · min. income ≈ HK$39,034/mo (50% DSR)
Upfront cash ≈ HK$515K (deposit + AVD stamp duty HK$67,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,432
−HK$1,103/mo
▼ 0.25% · 3.875%
HK$20,980
−HK$555/mo
Today · 4.125%
HK$21,535
baseline
▲ 0.50% · 4.625%
HK$22,671
+HK$1,136/mo
Deposit HK$447K · loan HK$4.03M · min. income ≈ HK$43,070/mo (50% DSR)
Upfront cash ≈ HK$515K (deposit + AVD stamp duty HK$67,119 · 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).