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$10,355
−HK$649/mo
▼ 0.25% · 3.875%
HK$10,677
−HK$327/mo
Today · 4.125%
HK$11,004
baseline
▲ 0.50% · 4.625%
HK$11,674
+HK$670/mo
Deposit HK$2.27M · loan HK$2.27M · min. income ≈ HK$22,008/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$71,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,520
−HK$622/mo
▼ 0.25% · 3.875%
HK$11,829
−HK$313/mo
Today · 4.125%
HK$12,142
baseline
▲ 0.50% · 4.625%
HK$12,782
+HK$640/mo
Deposit HK$2.27M · loan HK$2.27M · min. income ≈ HK$24,284/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$71,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,426
−HK$779/mo
▼ 0.25% · 3.875%
HK$12,813
−HK$392/mo
Today · 4.125%
HK$13,205
baseline
▲ 0.50% · 4.625%
HK$14,009
+HK$804/mo
Deposit HK$1.82M · loan HK$2.72M · min. income ≈ HK$26,410/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$71,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,824
−HK$747/mo
▼ 0.25% · 3.875%
HK$14,195
−HK$376/mo
Today · 4.125%
HK$14,571
baseline
▲ 0.50% · 4.625%
HK$15,339
+HK$768/mo
Deposit HK$1.82M · loan HK$2.72M · min. income ≈ HK$29,142/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$71,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,497
−HK$909/mo
▼ 0.25% · 3.875%
HK$14,948
−HK$458/mo
Today · 4.125%
HK$15,406
baseline
▲ 0.50% · 4.625%
HK$16,344
+HK$938/mo
Deposit HK$1.36M · loan HK$3.18M · min. income ≈ HK$30,812/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$71,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,128
−HK$871/mo
▼ 0.25% · 3.875%
HK$16,560
−HK$439/mo
Today · 4.125%
HK$16,999
baseline
▲ 0.50% · 4.625%
HK$17,895
+HK$896/mo
Deposit HK$1.36M · loan HK$3.18M · min. income ≈ HK$33,998/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$71,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,639
−HK$1,169/mo
▼ 0.25% · 3.875%
HK$19,219
−HK$589/mo
Today · 4.125%
HK$19,808
baseline
▲ 0.50% · 4.625%
HK$21,013
+HK$1,205/mo
Deposit HK$454K · loan HK$4.09M · min. income ≈ HK$39,616/mo (50% DSR)
Upfront cash ≈ HK$526K (deposit + AVD stamp duty HK$71,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,736
−HK$1,120/mo
▼ 0.25% · 3.875%
HK$21,292
−HK$564/mo
Today · 4.125%
HK$21,856
baseline
▲ 0.50% · 4.625%
HK$23,008
+HK$1,152/mo
Deposit HK$454K · loan HK$4.09M · min. income ≈ HK$43,712/mo (50% DSR)
Upfront cash ≈ HK$526K (deposit + AVD stamp duty HK$71,617 · 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).