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$10,363
−HK$649/mo
▼ 0.25% · 3.875%
HK$10,685
−HK$327/mo
Today · 4.125%
HK$11,012
baseline
▲ 0.50% · 4.625%
HK$11,683
+HK$671/mo
Deposit HK$2.27M · loan HK$2.27M · min. income ≈ HK$22,024/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$71,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,528
−HK$623/mo
▼ 0.25% · 3.875%
HK$11,838
−HK$313/mo
Today · 4.125%
HK$12,151
baseline
▲ 0.50% · 4.625%
HK$12,792
+HK$641/mo
Deposit HK$2.27M · loan HK$2.27M · min. income ≈ HK$24,302/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$71,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,435
−HK$780/mo
▼ 0.25% · 3.875%
HK$12,822
−HK$393/mo
Today · 4.125%
HK$13,215
baseline
▲ 0.50% · 4.625%
HK$14,019
+HK$804/mo
Deposit HK$1.82M · loan HK$2.73M · min. income ≈ HK$26,430/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$71,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,834
−HK$747/mo
▼ 0.25% · 3.875%
HK$14,205
−HK$376/mo
Today · 4.125%
HK$14,581
baseline
▲ 0.50% · 4.625%
HK$15,350
+HK$769/mo
Deposit HK$1.82M · loan HK$2.73M · min. income ≈ HK$29,162/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$71,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,508
−HK$909/mo
▼ 0.25% · 3.875%
HK$14,959
−HK$458/mo
Today · 4.125%
HK$15,417
baseline
▲ 0.50% · 4.625%
HK$16,356
+HK$939/mo
Deposit HK$1.36M · loan HK$3.18M · min. income ≈ HK$30,834/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$71,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,140
−HK$872/mo
▼ 0.25% · 3.875%
HK$16,573
−HK$439/mo
Today · 4.125%
HK$17,012
baseline
▲ 0.50% · 4.625%
HK$17,908
+HK$896/mo
Deposit HK$1.36M · loan HK$3.18M · min. income ≈ HK$34,024/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$71,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,653
−HK$1,169/mo
▼ 0.25% · 3.875%
HK$19,233
−HK$589/mo
Today · 4.125%
HK$19,822
baseline
▲ 0.50% · 4.625%
HK$21,029
+HK$1,207/mo
Deposit HK$454K · loan HK$4.09M · min. income ≈ HK$39,644/mo (50% DSR)
Upfront cash ≈ HK$526K (deposit + AVD stamp duty HK$71,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,751
−HK$1,121/mo
▼ 0.25% · 3.875%
HK$21,308
−HK$564/mo
Today · 4.125%
HK$21,872
baseline
▲ 0.50% · 4.625%
HK$23,025
+HK$1,153/mo
Deposit HK$454K · loan HK$4.09M · min. income ≈ HK$43,744/mo (50% DSR)
Upfront cash ≈ HK$526K (deposit + AVD stamp duty HK$71,951 · 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).