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$10,179
−HK$638/mo
▼ 0.25% · 3.875%
HK$10,495
−HK$322/mo
Today · 4.125%
HK$10,817
baseline
▲ 0.50% · 4.625%
HK$11,475
+HK$658/mo
Deposit HK$2.23M · loan HK$2.23M · min. income ≈ HK$21,634/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$66,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,324
−HK$611/mo
▼ 0.25% · 3.875%
HK$11,627
−HK$308/mo
Today · 4.125%
HK$11,935
baseline
▲ 0.50% · 4.625%
HK$12,564
+HK$629/mo
Deposit HK$2.23M · loan HK$2.23M · min. income ≈ HK$23,870/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$66,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,214
−HK$766/mo
▼ 0.25% · 3.875%
HK$12,594
−HK$386/mo
Today · 4.125%
HK$12,980
baseline
▲ 0.50% · 4.625%
HK$13,770
+HK$790/mo
Deposit HK$1.79M · loan HK$2.68M · min. income ≈ HK$25,960/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$66,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,588
−HK$734/mo
▼ 0.25% · 3.875%
HK$13,953
−HK$369/mo
Today · 4.125%
HK$14,322
baseline
▲ 0.50% · 4.625%
HK$15,077
+HK$755/mo
Deposit HK$1.79M · loan HK$2.68M · min. income ≈ HK$28,644/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$66,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,250
−HK$894/mo
▼ 0.25% · 3.875%
HK$14,693
−HK$451/mo
Today · 4.125%
HK$15,144
baseline
▲ 0.50% · 4.625%
HK$16,065
+HK$921/mo
Deposit HK$1.34M · loan HK$3.12M · min. income ≈ HK$30,288/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$66,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,853
−HK$856/mo
▼ 0.25% · 3.875%
HK$16,278
−HK$431/mo
Today · 4.125%
HK$16,709
baseline
▲ 0.50% · 4.625%
HK$17,590
+HK$881/mo
Deposit HK$1.34M · loan HK$3.12M · min. income ≈ HK$33,418/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$66,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,321
−HK$1,149/mo
▼ 0.25% · 3.875%
HK$18,891
−HK$579/mo
Today · 4.125%
HK$19,470
baseline
▲ 0.50% · 4.625%
HK$20,655
+HK$1,185/mo
Deposit HK$446K · loan HK$4.02M · min. income ≈ HK$38,940/mo (50% DSR)
Upfront cash ≈ HK$513K (deposit + AVD stamp duty HK$66,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,382
−HK$1,102/mo
▼ 0.25% · 3.875%
HK$20,929
−HK$555/mo
Today · 4.125%
HK$21,484
baseline
▲ 0.50% · 4.625%
HK$22,616
+HK$1,132/mo
Deposit HK$446K · loan HK$4.02M · min. income ≈ HK$42,968/mo (50% DSR)
Upfront cash ≈ HK$513K (deposit + AVD stamp duty HK$66,957 · 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).