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$10,227
−HK$641/mo
▼ 0.25% · 3.875%
HK$10,545
−HK$323/mo
Today · 4.125%
HK$10,868
baseline
▲ 0.50% · 4.625%
HK$11,530
+HK$662/mo
Deposit HK$2.24M · loan HK$2.24M · min. income ≈ HK$21,736/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$67,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,378
−HK$614/mo
▼ 0.25% · 3.875%
HK$11,683
−HK$309/mo
Today · 4.125%
HK$11,992
baseline
▲ 0.50% · 4.625%
HK$12,624
+HK$632/mo
Deposit HK$2.24M · loan HK$2.24M · min. income ≈ HK$23,984/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$67,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,273
−HK$769/mo
▼ 0.25% · 3.875%
HK$12,654
−HK$388/mo
Today · 4.125%
HK$13,042
baseline
▲ 0.50% · 4.625%
HK$13,836
+HK$794/mo
Deposit HK$1.79M · loan HK$2.69M · min. income ≈ HK$26,084/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$67,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,653
−HK$738/mo
▼ 0.25% · 3.875%
HK$14,019
−HK$372/mo
Today · 4.125%
HK$14,391
baseline
▲ 0.50% · 4.625%
HK$15,149
+HK$758/mo
Deposit HK$1.79M · loan HK$2.69M · min. income ≈ HK$28,782/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$67,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,318
−HK$898/mo
▼ 0.25% · 3.875%
HK$14,763
−HK$453/mo
Today · 4.125%
HK$15,216
baseline
▲ 0.50% · 4.625%
HK$16,142
+HK$926/mo
Deposit HK$1.35M · loan HK$3.14M · min. income ≈ HK$30,432/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$67,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,929
−HK$860/mo
▼ 0.25% · 3.875%
HK$16,356
−HK$433/mo
Today · 4.125%
HK$16,789
baseline
▲ 0.50% · 4.625%
HK$17,674
+HK$885/mo
Deposit HK$1.35M · loan HK$3.14M · min. income ≈ HK$33,578/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$67,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,409
−HK$1,154/mo
▼ 0.25% · 3.875%
HK$18,981
−HK$582/mo
Today · 4.125%
HK$19,563
baseline
▲ 0.50% · 4.625%
HK$20,754
+HK$1,191/mo
Deposit HK$449K · loan HK$4.04M · min. income ≈ HK$39,126/mo (50% DSR)
Upfront cash ≈ HK$516K (deposit + AVD stamp duty HK$67,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,480
−HK$1,106/mo
▼ 0.25% · 3.875%
HK$21,029
−HK$557/mo
Today · 4.125%
HK$21,586
baseline
▲ 0.50% · 4.625%
HK$22,724
+HK$1,138/mo
Deposit HK$449K · loan HK$4.04M · min. income ≈ HK$43,172/mo (50% DSR)
Upfront cash ≈ HK$516K (deposit + AVD stamp duty HK$67,276 · 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).