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$10,343
−HK$649/mo
▼ 0.25% · 3.875%
HK$10,665
−HK$327/mo
Today · 4.125%
HK$10,992
baseline
▲ 0.50% · 4.625%
HK$11,661
+HK$669/mo
Deposit HK$2.27M · loan HK$2.27M · min. income ≈ HK$21,984/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$71,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,507
−HK$621/mo
▼ 0.25% · 3.875%
HK$11,815
−HK$313/mo
Today · 4.125%
HK$12,128
baseline
▲ 0.50% · 4.625%
HK$12,768
+HK$640/mo
Deposit HK$2.27M · loan HK$2.27M · min. income ≈ HK$24,256/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$71,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,412
−HK$778/mo
▼ 0.25% · 3.875%
HK$12,798
−HK$392/mo
Today · 4.125%
HK$13,190
baseline
▲ 0.50% · 4.625%
HK$13,993
+HK$803/mo
Deposit HK$1.81M · loan HK$2.72M · min. income ≈ HK$26,380/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$71,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,808
−HK$746/mo
▼ 0.25% · 3.875%
HK$14,178
−HK$376/mo
Today · 4.125%
HK$14,554
baseline
▲ 0.50% · 4.625%
HK$15,321
+HK$767/mo
Deposit HK$1.81M · loan HK$2.72M · min. income ≈ HK$29,108/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$71,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,480
−HK$908/mo
▼ 0.25% · 3.875%
HK$14,931
−HK$457/mo
Today · 4.125%
HK$15,388
baseline
▲ 0.50% · 4.625%
HK$16,325
+HK$937/mo
Deposit HK$1.36M · loan HK$3.18M · min. income ≈ HK$30,776/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$71,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,109
−HK$871/mo
▼ 0.25% · 3.875%
HK$16,541
−HK$439/mo
Today · 4.125%
HK$16,980
baseline
▲ 0.50% · 4.625%
HK$17,875
+HK$895/mo
Deposit HK$1.36M · loan HK$3.18M · min. income ≈ HK$33,960/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$71,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,618
−HK$1,167/mo
▼ 0.25% · 3.875%
HK$19,197
−HK$588/mo
Today · 4.125%
HK$19,785
baseline
▲ 0.50% · 4.625%
HK$20,989
+HK$1,204/mo
Deposit HK$454K · loan HK$4.08M · min. income ≈ HK$39,570/mo (50% DSR)
Upfront cash ≈ HK$525K (deposit + AVD stamp duty HK$71,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,712
−HK$1,119/mo
▼ 0.25% · 3.875%
HK$21,267
−HK$564/mo
Today · 4.125%
HK$21,831
baseline
▲ 0.50% · 4.625%
HK$22,982
+HK$1,151/mo
Deposit HK$454K · loan HK$4.08M · min. income ≈ HK$43,662/mo (50% DSR)
Upfront cash ≈ HK$525K (deposit + AVD stamp duty HK$71,097 · 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).