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$10,307
−HK$647/mo
▼ 0.25% · 3.875%
HK$10,628
−HK$326/mo
Today · 4.125%
HK$10,954
baseline
▲ 0.50% · 4.625%
HK$11,620
+HK$666/mo
Deposit HK$2.26M · loan HK$2.26M · min. income ≈ HK$21,908/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$69,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,467
−HK$619/mo
▼ 0.25% · 3.875%
HK$11,774
−HK$312/mo
Today · 4.125%
HK$12,086
baseline
▲ 0.50% · 4.625%
HK$12,723
+HK$637/mo
Deposit HK$2.26M · loan HK$2.26M · min. income ≈ HK$24,172/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$69,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,369
−HK$775/mo
▼ 0.25% · 3.875%
HK$12,754
−HK$390/mo
Today · 4.125%
HK$13,144
baseline
▲ 0.50% · 4.625%
HK$13,944
+HK$800/mo
Deposit HK$1.81M · loan HK$2.71M · min. income ≈ HK$26,288/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$69,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,760
−HK$744/mo
▼ 0.25% · 3.875%
HK$14,129
−HK$375/mo
Today · 4.125%
HK$14,504
baseline
▲ 0.50% · 4.625%
HK$15,268
+HK$764/mo
Deposit HK$1.81M · loan HK$2.71M · min. income ≈ HK$29,008/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$69,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,430
−HK$905/mo
▼ 0.25% · 3.875%
HK$14,879
−HK$456/mo
Today · 4.125%
HK$15,335
baseline
▲ 0.50% · 4.625%
HK$16,268
+HK$933/mo
Deposit HK$1.36M · loan HK$3.16M · min. income ≈ HK$30,670/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$69,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,054
−HK$867/mo
▼ 0.25% · 3.875%
HK$16,484
−HK$437/mo
Today · 4.125%
HK$16,921
baseline
▲ 0.50% · 4.625%
HK$17,813
+HK$892/mo
Deposit HK$1.36M · loan HK$3.16M · min. income ≈ HK$33,842/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$69,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,553
−HK$1,164/mo
▼ 0.25% · 3.875%
HK$19,130
−HK$587/mo
Today · 4.125%
HK$19,717
baseline
▲ 0.50% · 4.625%
HK$20,916
+HK$1,199/mo
Deposit HK$452K · loan HK$4.07M · min. income ≈ HK$39,434/mo (50% DSR)
Upfront cash ≈ HK$522K (deposit + AVD stamp duty HK$69,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,640
−HK$1,115/mo
▼ 0.25% · 3.875%
HK$21,194
−HK$561/mo
Today · 4.125%
HK$21,755
baseline
▲ 0.50% · 4.625%
HK$22,902
+HK$1,147/mo
Deposit HK$452K · loan HK$4.07M · min. income ≈ HK$43,510/mo (50% DSR)
Upfront cash ≈ HK$522K (deposit + AVD stamp duty HK$69,525 · 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).