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$10,199
−HK$640/mo
▼ 0.25% · 3.875%
HK$10,517
−HK$322/mo
Today · 4.125%
HK$10,839
baseline
▲ 0.50% · 4.625%
HK$11,498
+HK$659/mo
Deposit HK$2.24M · loan HK$2.24M · min. income ≈ HK$21,678/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$67,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,347
−HK$613/mo
▼ 0.25% · 3.875%
HK$11,651
−HK$309/mo
Today · 4.125%
HK$11,960
baseline
▲ 0.50% · 4.625%
HK$12,590
+HK$630/mo
Deposit HK$2.24M · loan HK$2.24M · min. income ≈ HK$23,920/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$67,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,239
−HK$768/mo
▼ 0.25% · 3.875%
HK$12,620
−HK$387/mo
Today · 4.125%
HK$13,007
baseline
▲ 0.50% · 4.625%
HK$13,798
+HK$791/mo
Deposit HK$1.79M · loan HK$2.68M · min. income ≈ HK$26,014/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$67,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,616
−HK$736/mo
▼ 0.25% · 3.875%
HK$13,981
−HK$371/mo
Today · 4.125%
HK$14,352
baseline
▲ 0.50% · 4.625%
HK$15,108
+HK$756/mo
Deposit HK$1.79M · loan HK$2.68M · min. income ≈ HK$28,704/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$67,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,279
−HK$895/mo
▼ 0.25% · 3.875%
HK$14,723
−HK$451/mo
Today · 4.125%
HK$15,174
baseline
▲ 0.50% · 4.625%
HK$16,098
+HK$924/mo
Deposit HK$1.34M · loan HK$3.13M · min. income ≈ HK$30,348/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$67,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,885
−HK$858/mo
▼ 0.25% · 3.875%
HK$16,311
−HK$432/mo
Today · 4.125%
HK$16,743
baseline
▲ 0.50% · 4.625%
HK$17,626
+HK$883/mo
Deposit HK$1.34M · loan HK$3.13M · min. income ≈ HK$33,486/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$67,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,359
−HK$1,151/mo
▼ 0.25% · 3.875%
HK$18,930
−HK$580/mo
Today · 4.125%
HK$19,510
baseline
▲ 0.50% · 4.625%
HK$20,697
+HK$1,187/mo
Deposit HK$447K · loan HK$4.03M · min. income ≈ HK$39,020/mo (50% DSR)
Upfront cash ≈ HK$514K (deposit + AVD stamp duty HK$67,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,424
−HK$1,103/mo
▼ 0.25% · 3.875%
HK$20,972
−HK$555/mo
Today · 4.125%
HK$21,527
baseline
▲ 0.50% · 4.625%
HK$22,662
+HK$1,135/mo
Deposit HK$447K · loan HK$4.03M · min. income ≈ HK$43,054/mo (50% DSR)
Upfront cash ≈ HK$514K (deposit + AVD stamp duty HK$67,093 · 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).