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$10,215
−HK$640/mo
▼ 0.25% · 3.875%
HK$10,532
−HK$323/mo
Today · 4.125%
HK$10,855
baseline
▲ 0.50% · 4.625%
HK$11,516
+HK$661/mo
Deposit HK$2.24M · loan HK$2.24M · min. income ≈ HK$21,710/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$67,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,364
−HK$614/mo
▼ 0.25% · 3.875%
HK$11,668
−HK$310/mo
Today · 4.125%
HK$11,978
baseline
▲ 0.50% · 4.625%
HK$12,609
+HK$631/mo
Deposit HK$2.24M · loan HK$2.24M · min. income ≈ HK$23,956/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$67,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,258
−HK$768/mo
▼ 0.25% · 3.875%
HK$12,639
−HK$387/mo
Today · 4.125%
HK$13,026
baseline
▲ 0.50% · 4.625%
HK$13,819
+HK$793/mo
Deposit HK$1.79M · loan HK$2.69M · min. income ≈ HK$26,052/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$67,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,636
−HK$737/mo
▼ 0.25% · 3.875%
HK$14,002
−HK$371/mo
Today · 4.125%
HK$14,373
baseline
▲ 0.50% · 4.625%
HK$15,131
+HK$758/mo
Deposit HK$1.79M · loan HK$2.69M · min. income ≈ HK$28,746/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$67,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,300
−HK$897/mo
▼ 0.25% · 3.875%
HK$14,745
−HK$452/mo
Today · 4.125%
HK$15,197
baseline
▲ 0.50% · 4.625%
HK$16,122
+HK$925/mo
Deposit HK$1.34M · loan HK$3.14M · min. income ≈ HK$30,394/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$67,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,909
−HK$860/mo
▼ 0.25% · 3.875%
HK$16,336
−HK$433/mo
Today · 4.125%
HK$16,769
baseline
▲ 0.50% · 4.625%
HK$17,653
+HK$884/mo
Deposit HK$1.34M · loan HK$3.14M · min. income ≈ HK$33,538/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$67,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,386
−HK$1,153/mo
▼ 0.25% · 3.875%
HK$18,958
−HK$581/mo
Today · 4.125%
HK$19,539
baseline
▲ 0.50% · 4.625%
HK$20,728
+HK$1,189/mo
Deposit HK$448K · loan HK$4.03M · min. income ≈ HK$39,078/mo (50% DSR)
Upfront cash ≈ HK$515K (deposit + AVD stamp duty HK$67,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,455
−HK$1,105/mo
▼ 0.25% · 3.875%
HK$21,003
−HK$557/mo
Today · 4.125%
HK$21,560
baseline
▲ 0.50% · 4.625%
HK$22,696
+HK$1,136/mo
Deposit HK$448K · loan HK$4.03M · min. income ≈ HK$43,120/mo (50% DSR)
Upfront cash ≈ HK$515K (deposit + AVD stamp duty HK$67,194 · 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).