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$10,395
−HK$652/mo
▼ 0.25% · 3.875%
HK$10,718
−HK$329/mo
Today · 4.125%
HK$11,047
baseline
▲ 0.50% · 4.625%
HK$11,719
+HK$672/mo
Deposit HK$2.28M · loan HK$2.28M · min. income ≈ HK$22,094/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$73,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,564
−HK$625/mo
▼ 0.25% · 3.875%
HK$11,875
−HK$314/mo
Today · 4.125%
HK$12,189
baseline
▲ 0.50% · 4.625%
HK$12,832
+HK$643/mo
Deposit HK$2.28M · loan HK$2.28M · min. income ≈ HK$24,378/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$73,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,474
−HK$782/mo
▼ 0.25% · 3.875%
HK$12,862
−HK$394/mo
Today · 4.125%
HK$13,256
baseline
▲ 0.50% · 4.625%
HK$14,063
+HK$807/mo
Deposit HK$1.82M · loan HK$2.74M · min. income ≈ HK$26,512/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$73,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,877
−HK$750/mo
▼ 0.25% · 3.875%
HK$14,250
−HK$377/mo
Today · 4.125%
HK$14,627
baseline
▲ 0.50% · 4.625%
HK$15,398
+HK$771/mo
Deposit HK$1.82M · loan HK$2.74M · min. income ≈ HK$29,254/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$73,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,553
−HK$913/mo
▼ 0.25% · 3.875%
HK$15,006
−HK$460/mo
Today · 4.125%
HK$15,466
baseline
▲ 0.50% · 4.625%
HK$16,407
+HK$941/mo
Deposit HK$1.37M · loan HK$3.19M · min. income ≈ HK$30,932/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$73,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,190
−HK$875/mo
▼ 0.25% · 3.875%
HK$16,624
−HK$441/mo
Today · 4.125%
HK$17,065
baseline
▲ 0.50% · 4.625%
HK$17,964
+HK$899/mo
Deposit HK$1.37M · loan HK$3.19M · min. income ≈ HK$34,130/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$73,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,711
−HK$1,174/mo
▼ 0.25% · 3.875%
HK$19,293
−HK$592/mo
Today · 4.125%
HK$19,885
baseline
▲ 0.50% · 4.625%
HK$21,095
+HK$1,210/mo
Deposit HK$456K · loan HK$4.10M · min. income ≈ HK$39,770/mo (50% DSR)
Upfront cash ≈ HK$529K (deposit + AVD stamp duty HK$73,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,816
−HK$1,125/mo
▼ 0.25% · 3.875%
HK$21,374
−HK$567/mo
Today · 4.125%
HK$21,941
baseline
▲ 0.50% · 4.625%
HK$23,097
+HK$1,156/mo
Deposit HK$456K · loan HK$4.10M · min. income ≈ HK$43,882/mo (50% DSR)
Upfront cash ≈ HK$529K (deposit + AVD stamp duty HK$73,376 · 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).