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$10,159
−HK$638/mo
▼ 0.25% · 3.875%
HK$10,475
−HK$322/mo
Today · 4.125%
HK$10,797
baseline
▲ 0.50% · 4.625%
HK$11,453
+HK$656/mo
Deposit HK$2.23M · loan HK$2.23M · min. income ≈ HK$21,594/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$66,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,302
−HK$611/mo
▼ 0.25% · 3.875%
HK$11,605
−HK$308/mo
Today · 4.125%
HK$11,913
baseline
▲ 0.50% · 4.625%
HK$12,541
+HK$628/mo
Deposit HK$2.23M · loan HK$2.23M · min. income ≈ HK$23,826/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$66,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,191
−HK$765/mo
▼ 0.25% · 3.875%
HK$12,571
−HK$385/mo
Today · 4.125%
HK$12,956
baseline
▲ 0.50% · 4.625%
HK$13,744
+HK$788/mo
Deposit HK$1.78M · loan HK$2.67M · min. income ≈ HK$25,912/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$66,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,563
−HK$733/mo
▼ 0.25% · 3.875%
HK$13,927
−HK$369/mo
Today · 4.125%
HK$14,296
baseline
▲ 0.50% · 4.625%
HK$15,049
+HK$753/mo
Deposit HK$1.78M · loan HK$2.67M · min. income ≈ HK$28,592/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$66,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,223
−HK$892/mo
▼ 0.25% · 3.875%
HK$14,666
−HK$449/mo
Today · 4.125%
HK$15,115
baseline
▲ 0.50% · 4.625%
HK$16,035
+HK$920/mo
Deposit HK$1.34M · loan HK$3.12M · min. income ≈ HK$30,230/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$66,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,823
−HK$855/mo
▼ 0.25% · 3.875%
HK$16,248
−HK$430/mo
Today · 4.125%
HK$16,678
baseline
▲ 0.50% · 4.625%
HK$17,557
+HK$879/mo
Deposit HK$1.34M · loan HK$3.12M · min. income ≈ HK$33,356/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$66,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,287
−HK$1,147/mo
▼ 0.25% · 3.875%
HK$18,856
−HK$578/mo
Today · 4.125%
HK$19,434
baseline
▲ 0.50% · 4.625%
HK$20,616
+HK$1,182/mo
Deposit HK$446K · loan HK$4.01M · min. income ≈ HK$38,868/mo (50% DSR)
Upfront cash ≈ HK$512K (deposit + AVD stamp duty HK$66,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,344
−HK$1,099/mo
▼ 0.25% · 3.875%
HK$20,890
−HK$553/mo
Today · 4.125%
HK$21,443
baseline
▲ 0.50% · 4.625%
HK$22,574
+HK$1,131/mo
Deposit HK$446K · loan HK$4.01M · min. income ≈ HK$42,886/mo (50% DSR)
Upfront cash ≈ HK$512K (deposit + AVD stamp duty HK$66,832 · 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).