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$10,433
−HK$655/mo
▼ 0.25% · 3.875%
HK$10,758
−HK$330/mo
Today · 4.125%
HK$11,088
baseline
▲ 0.50% · 4.625%
HK$11,762
+HK$674/mo
Deposit HK$2.29M · loan HK$2.29M · min. income ≈ HK$22,176/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$75,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,607
−HK$627/mo
▼ 0.25% · 3.875%
HK$11,918
−HK$316/mo
Today · 4.125%
HK$12,234
baseline
▲ 0.50% · 4.625%
HK$12,879
+HK$645/mo
Deposit HK$2.29M · loan HK$2.29M · min. income ≈ HK$24,468/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$75,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,520
−HK$785/mo
▼ 0.25% · 3.875%
HK$12,910
−HK$395/mo
Today · 4.125%
HK$13,305
baseline
▲ 0.50% · 4.625%
HK$14,115
+HK$810/mo
Deposit HK$1.83M · loan HK$2.75M · min. income ≈ HK$26,610/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$75,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,928
−HK$753/mo
▼ 0.25% · 3.875%
HK$14,302
−HK$379/mo
Today · 4.125%
HK$14,681
baseline
▲ 0.50% · 4.625%
HK$15,455
+HK$774/mo
Deposit HK$1.83M · loan HK$2.75M · min. income ≈ HK$29,362/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$75,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,607
−HK$916/mo
▼ 0.25% · 3.875%
HK$15,061
−HK$462/mo
Today · 4.125%
HK$15,523
baseline
▲ 0.50% · 4.625%
HK$16,467
+HK$944/mo
Deposit HK$1.37M · loan HK$3.20M · min. income ≈ HK$31,046/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$75,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,250
−HK$878/mo
▼ 0.25% · 3.875%
HK$16,686
−HK$442/mo
Today · 4.125%
HK$17,128
baseline
▲ 0.50% · 4.625%
HK$18,031
+HK$903/mo
Deposit HK$1.37M · loan HK$3.20M · min. income ≈ HK$34,256/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$75,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,780
−HK$1,178/mo
▼ 0.25% · 3.875%
HK$19,364
−HK$594/mo
Today · 4.125%
HK$19,958
baseline
▲ 0.50% · 4.625%
HK$21,172
+HK$1,214/mo
Deposit HK$458K · loan HK$4.12M · min. income ≈ HK$39,916/mo (50% DSR)
Upfront cash ≈ HK$533K (deposit + AVD stamp duty HK$75,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,893
−HK$1,128/mo
▼ 0.25% · 3.875%
HK$21,453
−HK$568/mo
Today · 4.125%
HK$22,021
baseline
▲ 0.50% · 4.625%
HK$23,182
+HK$1,161/mo
Deposit HK$458K · loan HK$4.12M · min. income ≈ HK$44,042/mo (50% DSR)
Upfront cash ≈ HK$533K (deposit + AVD stamp duty HK$75,053 · 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).