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$10,006
−HK$628/mo
▼ 0.25% · 3.875%
HK$10,318
−HK$316/mo
Today · 4.125%
HK$10,634
baseline
▲ 0.50% · 4.625%
HK$11,281
+HK$647/mo
Deposit HK$2.19M · loan HK$2.19M · min. income ≈ HK$21,268/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$65,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,132
−HK$601/mo
▼ 0.25% · 3.875%
HK$11,431
−HK$302/mo
Today · 4.125%
HK$11,733
baseline
▲ 0.50% · 4.625%
HK$12,352
+HK$619/mo
Deposit HK$2.19M · loan HK$2.19M · min. income ≈ HK$23,466/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$65,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,008
−HK$753/mo
▼ 0.25% · 3.875%
HK$12,381
−HK$380/mo
Today · 4.125%
HK$12,761
baseline
▲ 0.50% · 4.625%
HK$13,537
+HK$776/mo
Deposit HK$1.76M · loan HK$2.63M · min. income ≈ HK$25,522/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$65,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,358
−HK$722/mo
▼ 0.25% · 3.875%
HK$13,717
−HK$363/mo
Today · 4.125%
HK$14,080
baseline
▲ 0.50% · 4.625%
HK$14,822
+HK$742/mo
Deposit HK$1.76M · loan HK$2.63M · min. income ≈ HK$28,160/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$65,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,009
−HK$878/mo
▼ 0.25% · 3.875%
HK$14,445
−HK$442/mo
Today · 4.125%
HK$14,887
baseline
▲ 0.50% · 4.625%
HK$15,793
+HK$906/mo
Deposit HK$1.32M · loan HK$3.07M · min. income ≈ HK$29,774/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$65,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,585
−HK$842/mo
▼ 0.25% · 3.875%
HK$16,003
−HK$424/mo
Today · 4.125%
HK$16,427
baseline
▲ 0.50% · 4.625%
HK$17,293
+HK$866/mo
Deposit HK$1.32M · loan HK$3.07M · min. income ≈ HK$32,854/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$65,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,011
−HK$1,130/mo
▼ 0.25% · 3.875%
HK$18,572
−HK$569/mo
Today · 4.125%
HK$19,141
baseline
▲ 0.50% · 4.625%
HK$20,306
+HK$1,165/mo
Deposit HK$439K · loan HK$3.95M · min. income ≈ HK$38,282/mo (50% DSR)
Upfront cash ≈ HK$505K (deposit + AVD stamp duty HK$65,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,038
−HK$1,082/mo
▼ 0.25% · 3.875%
HK$20,575
−HK$545/mo
Today · 4.125%
HK$21,120
baseline
▲ 0.50% · 4.625%
HK$22,233
+HK$1,113/mo
Deposit HK$439K · loan HK$3.95M · min. income ≈ HK$42,240/mo (50% DSR)
Upfront cash ≈ HK$505K (deposit + AVD stamp duty HK$65,825 · 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).