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$10,426
−HK$654/mo
▼ 0.25% · 3.875%
HK$10,750
−HK$330/mo
Today · 4.125%
HK$11,080
baseline
▲ 0.50% · 4.625%
HK$11,754
+HK$674/mo
Deposit HK$2.29M · loan HK$2.29M · min. income ≈ HK$22,160/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$74,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,599
−HK$626/mo
▼ 0.25% · 3.875%
HK$11,910
−HK$315/mo
Today · 4.125%
HK$12,225
baseline
▲ 0.50% · 4.625%
HK$12,870
+HK$645/mo
Deposit HK$2.29M · loan HK$2.29M · min. income ≈ HK$24,450/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$74,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,511
−HK$784/mo
▼ 0.25% · 3.875%
HK$12,900
−HK$395/mo
Today · 4.125%
HK$13,295
baseline
▲ 0.50% · 4.625%
HK$14,104
+HK$809/mo
Deposit HK$1.83M · loan HK$2.74M · min. income ≈ HK$26,590/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$74,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,918
−HK$752/mo
▼ 0.25% · 3.875%
HK$14,292
−HK$378/mo
Today · 4.125%
HK$14,670
baseline
▲ 0.50% · 4.625%
HK$15,444
+HK$774/mo
Deposit HK$1.83M · loan HK$2.74M · min. income ≈ HK$29,340/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$74,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,596
−HK$915/mo
▼ 0.25% · 3.875%
HK$15,050
−HK$461/mo
Today · 4.125%
HK$15,511
baseline
▲ 0.50% · 4.625%
HK$16,455
+HK$944/mo
Deposit HK$1.37M · loan HK$3.20M · min. income ≈ HK$31,022/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$74,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,238
−HK$877/mo
▼ 0.25% · 3.875%
HK$16,674
−HK$441/mo
Today · 4.125%
HK$17,115
baseline
▲ 0.50% · 4.625%
HK$18,017
+HK$902/mo
Deposit HK$1.37M · loan HK$3.20M · min. income ≈ HK$34,230/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$74,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,766
−HK$1,177/mo
▼ 0.25% · 3.875%
HK$19,350
−HK$593/mo
Today · 4.125%
HK$19,943
baseline
▲ 0.50% · 4.625%
HK$21,157
+HK$1,214/mo
Deposit HK$457K · loan HK$4.11M · min. income ≈ HK$39,886/mo (50% DSR)
Upfront cash ≈ HK$532K (deposit + AVD stamp duty HK$74,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,877
−HK$1,128/mo
▼ 0.25% · 3.875%
HK$21,437
−HK$568/mo
Today · 4.125%
HK$22,005
baseline
▲ 0.50% · 4.625%
HK$23,165
+HK$1,160/mo
Deposit HK$457K · loan HK$4.11M · min. income ≈ HK$44,010/mo (50% DSR)
Upfront cash ≈ HK$532K (deposit + AVD stamp duty HK$74,720 · 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).