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$10,427
−HK$654/mo
▼ 0.25% · 3.875%
HK$10,752
−HK$329/mo
Today · 4.125%
HK$11,081
baseline
▲ 0.50% · 4.625%
HK$11,755
+HK$674/mo
Deposit HK$2.29M · loan HK$2.29M · min. income ≈ HK$22,162/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$74,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,600
−HK$627/mo
▼ 0.25% · 3.875%
HK$11,911
−HK$316/mo
Today · 4.125%
HK$12,227
baseline
▲ 0.50% · 4.625%
HK$12,871
+HK$644/mo
Deposit HK$2.29M · loan HK$2.29M · min. income ≈ HK$24,454/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$74,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,513
−HK$784/mo
▼ 0.25% · 3.875%
HK$12,902
−HK$395/mo
Today · 4.125%
HK$13,297
baseline
▲ 0.50% · 4.625%
HK$14,106
+HK$809/mo
Deposit HK$1.83M · loan HK$2.74M · min. income ≈ HK$26,594/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$74,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,920
−HK$752/mo
▼ 0.25% · 3.875%
HK$14,294
−HK$378/mo
Today · 4.125%
HK$14,672
baseline
▲ 0.50% · 4.625%
HK$15,446
+HK$774/mo
Deposit HK$1.83M · loan HK$2.74M · min. income ≈ HK$29,344/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$74,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,598
−HK$916/mo
▼ 0.25% · 3.875%
HK$15,052
−HK$462/mo
Today · 4.125%
HK$15,514
baseline
▲ 0.50% · 4.625%
HK$16,458
+HK$944/mo
Deposit HK$1.37M · loan HK$3.20M · min. income ≈ HK$31,028/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$74,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,240
−HK$878/mo
▼ 0.25% · 3.875%
HK$16,676
−HK$442/mo
Today · 4.125%
HK$17,118
baseline
▲ 0.50% · 4.625%
HK$18,020
+HK$902/mo
Deposit HK$1.37M · loan HK$3.20M · min. income ≈ HK$34,236/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$74,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,769
−HK$1,177/mo
▼ 0.25% · 3.875%
HK$19,353
−HK$593/mo
Today · 4.125%
HK$19,946
baseline
▲ 0.50% · 4.625%
HK$21,160
+HK$1,214/mo
Deposit HK$457K · loan HK$4.12M · min. income ≈ HK$39,892/mo (50% DSR)
Upfront cash ≈ HK$532K (deposit + AVD stamp duty HK$74,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,880
−HK$1,129/mo
▼ 0.25% · 3.875%
HK$21,440
−HK$569/mo
Today · 4.125%
HK$22,009
baseline
▲ 0.50% · 4.625%
HK$23,169
+HK$1,160/mo
Deposit HK$457K · loan HK$4.12M · min. income ≈ HK$44,018/mo (50% DSR)
Upfront cash ≈ HK$532K (deposit + AVD stamp duty HK$74,785 · 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).