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$10,193
−HK$639/mo
▼ 0.25% · 3.875%
HK$10,510
−HK$322/mo
Today · 4.125%
HK$10,832
baseline
▲ 0.50% · 4.625%
HK$11,491
+HK$659/mo
Deposit HK$2.23M · loan HK$2.23M · min. income ≈ HK$21,664/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$67,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,339
−HK$613/mo
▼ 0.25% · 3.875%
HK$11,643
−HK$309/mo
Today · 4.125%
HK$11,952
baseline
▲ 0.50% · 4.625%
HK$12,582
+HK$630/mo
Deposit HK$2.23M · loan HK$2.23M · min. income ≈ HK$23,904/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$67,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,231
−HK$767/mo
▼ 0.25% · 3.875%
HK$12,612
−HK$386/mo
Today · 4.125%
HK$12,998
baseline
▲ 0.50% · 4.625%
HK$13,789
+HK$791/mo
Deposit HK$1.79M · loan HK$2.68M · min. income ≈ HK$25,996/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$67,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,607
−HK$735/mo
▼ 0.25% · 3.875%
HK$13,972
−HK$370/mo
Today · 4.125%
HK$14,342
baseline
▲ 0.50% · 4.625%
HK$15,098
+HK$756/mo
Deposit HK$1.79M · loan HK$2.68M · min. income ≈ HK$28,684/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$67,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,270
−HK$895/mo
▼ 0.25% · 3.875%
HK$14,714
−HK$451/mo
Today · 4.125%
HK$15,165
baseline
▲ 0.50% · 4.625%
HK$16,087
+HK$922/mo
Deposit HK$1.34M · loan HK$3.13M · min. income ≈ HK$30,330/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$67,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,875
−HK$858/mo
▼ 0.25% · 3.875%
HK$16,301
−HK$432/mo
Today · 4.125%
HK$16,733
baseline
▲ 0.50% · 4.625%
HK$17,615
+HK$882/mo
Deposit HK$1.34M · loan HK$3.13M · min. income ≈ HK$33,466/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$67,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,347
−HK$1,150/mo
▼ 0.25% · 3.875%
HK$18,918
−HK$579/mo
Today · 4.125%
HK$19,497
baseline
▲ 0.50% · 4.625%
HK$20,684
+HK$1,187/mo
Deposit HK$447K · loan HK$4.02M · min. income ≈ HK$38,994/mo (50% DSR)
Upfront cash ≈ HK$514K (deposit + AVD stamp duty HK$67,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,411
−HK$1,102/mo
▼ 0.25% · 3.875%
HK$20,958
−HK$555/mo
Today · 4.125%
HK$21,513
baseline
▲ 0.50% · 4.625%
HK$22,647
+HK$1,134/mo
Deposit HK$447K · loan HK$4.02M · min. income ≈ HK$43,026/mo (50% DSR)
Upfront cash ≈ HK$514K (deposit + AVD stamp duty HK$67,050 · 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).