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$10,147
−HK$637/mo
▼ 0.25% · 3.875%
HK$10,463
−HK$321/mo
Today · 4.125%
HK$10,784
baseline
▲ 0.50% · 4.625%
HK$11,440
+HK$656/mo
Deposit HK$2.23M · loan HK$2.23M · min. income ≈ HK$21,568/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$66,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,289
−HK$610/mo
▼ 0.25% · 3.875%
HK$11,592
−HK$307/mo
Today · 4.125%
HK$11,899
baseline
▲ 0.50% · 4.625%
HK$12,526
+HK$627/mo
Deposit HK$2.23M · loan HK$2.23M · min. income ≈ HK$23,798/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$66,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,177
−HK$763/mo
▼ 0.25% · 3.875%
HK$12,556
−HK$384/mo
Today · 4.125%
HK$12,940
baseline
▲ 0.50% · 4.625%
HK$13,728
+HK$788/mo
Deposit HK$1.78M · loan HK$2.67M · min. income ≈ HK$25,880/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$66,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,547
−HK$731/mo
▼ 0.25% · 3.875%
HK$13,910
−HK$368/mo
Today · 4.125%
HK$14,278
baseline
▲ 0.50% · 4.625%
HK$15,031
+HK$753/mo
Deposit HK$1.78M · loan HK$2.67M · min. income ≈ HK$28,556/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$66,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,206
−HK$891/mo
▼ 0.25% · 3.875%
HK$14,648
−HK$449/mo
Today · 4.125%
HK$15,097
baseline
▲ 0.50% · 4.625%
HK$16,016
+HK$919/mo
Deposit HK$1.34M · loan HK$3.12M · min. income ≈ HK$30,194/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$66,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,804
−HK$854/mo
▼ 0.25% · 3.875%
HK$16,228
−HK$430/mo
Today · 4.125%
HK$16,658
baseline
▲ 0.50% · 4.625%
HK$17,536
+HK$878/mo
Deposit HK$1.34M · loan HK$3.12M · min. income ≈ HK$33,316/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$66,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,265
−HK$1,146/mo
▼ 0.25% · 3.875%
HK$18,833
−HK$578/mo
Today · 4.125%
HK$19,411
baseline
▲ 0.50% · 4.625%
HK$20,592
+HK$1,181/mo
Deposit HK$445K · loan HK$4.01M · min. income ≈ HK$38,822/mo (50% DSR)
Upfront cash ≈ HK$512K (deposit + AVD stamp duty HK$66,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,320
−HK$1,098/mo
▼ 0.25% · 3.875%
HK$20,865
−HK$553/mo
Today · 4.125%
HK$21,418
baseline
▲ 0.50% · 4.625%
HK$22,547
+HK$1,129/mo
Deposit HK$445K · loan HK$4.01M · min. income ≈ HK$42,836/mo (50% DSR)
Upfront cash ≈ HK$512K (deposit + AVD stamp duty HK$66,752 · 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).