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$10,168
−HK$638/mo
▼ 0.25% · 3.875%
HK$10,485
−HK$321/mo
Today · 4.125%
HK$10,806
baseline
▲ 0.50% · 4.625%
HK$11,464
+HK$658/mo
Deposit HK$2.23M · loan HK$2.23M · min. income ≈ HK$21,612/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$66,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,312
−HK$611/mo
▼ 0.25% · 3.875%
HK$11,616
−HK$307/mo
Today · 4.125%
HK$11,923
baseline
▲ 0.50% · 4.625%
HK$12,552
+HK$629/mo
Deposit HK$2.23M · loan HK$2.23M · min. income ≈ HK$23,846/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$66,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,202
−HK$765/mo
▼ 0.25% · 3.875%
HK$12,582
−HK$385/mo
Today · 4.125%
HK$12,967
baseline
▲ 0.50% · 4.625%
HK$13,756
+HK$789/mo
Deposit HK$1.78M · loan HK$2.68M · min. income ≈ HK$25,934/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$66,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,575
−HK$733/mo
▼ 0.25% · 3.875%
HK$13,939
−HK$369/mo
Today · 4.125%
HK$14,308
baseline
▲ 0.50% · 4.625%
HK$15,062
+HK$754/mo
Deposit HK$1.78M · loan HK$2.68M · min. income ≈ HK$28,616/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$66,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,236
−HK$892/mo
▼ 0.25% · 3.875%
HK$14,679
−HK$449/mo
Today · 4.125%
HK$15,128
baseline
▲ 0.50% · 4.625%
HK$16,049
+HK$921/mo
Deposit HK$1.34M · loan HK$3.12M · min. income ≈ HK$30,256/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$66,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,837
−HK$856/mo
▼ 0.25% · 3.875%
HK$16,262
−HK$431/mo
Today · 4.125%
HK$16,693
baseline
▲ 0.50% · 4.625%
HK$17,573
+HK$880/mo
Deposit HK$1.34M · loan HK$3.12M · min. income ≈ HK$33,386/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$66,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,303
−HK$1,148/mo
▼ 0.25% · 3.875%
HK$18,872
−HK$579/mo
Today · 4.125%
HK$19,451
baseline
▲ 0.50% · 4.625%
HK$20,634
+HK$1,183/mo
Deposit HK$446K · loan HK$4.01M · min. income ≈ HK$38,902/mo (50% DSR)
Upfront cash ≈ HK$513K (deposit + AVD stamp duty HK$66,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,362
−HK$1,100/mo
▼ 0.25% · 3.875%
HK$20,908
−HK$554/mo
Today · 4.125%
HK$21,462
baseline
▲ 0.50% · 4.625%
HK$22,593
+HK$1,131/mo
Deposit HK$446K · loan HK$4.01M · min. income ≈ HK$42,924/mo (50% DSR)
Upfront cash ≈ HK$513K (deposit + AVD stamp duty HK$66,890 · 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).