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$10,412
−HK$653/mo
▼ 0.25% · 3.875%
HK$10,736
−HK$329/mo
Today · 4.125%
HK$11,065
baseline
▲ 0.50% · 4.625%
HK$11,738
+HK$673/mo
Deposit HK$2.28M · loan HK$2.28M · min. income ≈ HK$22,130/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$74,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,583
−HK$626/mo
▼ 0.25% · 3.875%
HK$11,894
−HK$315/mo
Today · 4.125%
HK$12,209
baseline
▲ 0.50% · 4.625%
HK$12,853
+HK$644/mo
Deposit HK$2.28M · loan HK$2.28M · min. income ≈ HK$24,418/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$74,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,495
−HK$783/mo
▼ 0.25% · 3.875%
HK$12,883
−HK$395/mo
Today · 4.125%
HK$13,278
baseline
▲ 0.50% · 4.625%
HK$14,086
+HK$808/mo
Deposit HK$1.83M · loan HK$2.74M · min. income ≈ HK$26,556/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$74,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,900
−HK$751/mo
▼ 0.25% · 3.875%
HK$14,273
−HK$378/mo
Today · 4.125%
HK$14,651
baseline
▲ 0.50% · 4.625%
HK$15,423
+HK$772/mo
Deposit HK$1.83M · loan HK$2.74M · min. income ≈ HK$29,302/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$74,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,577
−HK$914/mo
▼ 0.25% · 3.875%
HK$15,030
−HK$461/mo
Today · 4.125%
HK$15,491
baseline
▲ 0.50% · 4.625%
HK$16,434
+HK$943/mo
Deposit HK$1.37M · loan HK$3.20M · min. income ≈ HK$30,982/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$74,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,217
−HK$876/mo
▼ 0.25% · 3.875%
HK$16,652
−HK$441/mo
Today · 4.125%
HK$17,093
baseline
▲ 0.50% · 4.625%
HK$17,994
+HK$901/mo
Deposit HK$1.37M · loan HK$3.20M · min. income ≈ HK$34,186/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$74,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,742
−HK$1,175/mo
▼ 0.25% · 3.875%
HK$19,325
−HK$592/mo
Today · 4.125%
HK$19,917
baseline
▲ 0.50% · 4.625%
HK$21,129
+HK$1,212/mo
Deposit HK$457K · loan HK$4.11M · min. income ≈ HK$39,834/mo (50% DSR)
Upfront cash ≈ HK$531K (deposit + AVD stamp duty HK$74,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,850
−HK$1,127/mo
▼ 0.25% · 3.875%
HK$21,409
−HK$568/mo
Today · 4.125%
HK$21,977
baseline
▲ 0.50% · 4.625%
HK$23,135
+HK$1,158/mo
Deposit HK$457K · loan HK$4.11M · min. income ≈ HK$43,954/mo (50% DSR)
Upfront cash ≈ HK$531K (deposit + AVD stamp duty HK$74,120 · 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).