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$10,401
−HK$652/mo
▼ 0.25% · 3.875%
HK$10,725
−HK$328/mo
Today · 4.125%
HK$11,053
baseline
▲ 0.50% · 4.625%
HK$11,726
+HK$673/mo
Deposit HK$2.28M · loan HK$2.28M · min. income ≈ HK$22,106/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$73,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,571
−HK$625/mo
▼ 0.25% · 3.875%
HK$11,882
−HK$314/mo
Today · 4.125%
HK$12,196
baseline
▲ 0.50% · 4.625%
HK$12,839
+HK$643/mo
Deposit HK$2.28M · loan HK$2.28M · min. income ≈ HK$24,392/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$73,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,481
−HK$783/mo
▼ 0.25% · 3.875%
HK$12,870
−HK$394/mo
Today · 4.125%
HK$13,264
baseline
▲ 0.50% · 4.625%
HK$14,071
+HK$807/mo
Deposit HK$1.82M · loan HK$2.74M · min. income ≈ HK$26,528/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$73,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,885
−HK$751/mo
▼ 0.25% · 3.875%
HK$14,258
−HK$378/mo
Today · 4.125%
HK$14,636
baseline
▲ 0.50% · 4.625%
HK$15,407
+HK$771/mo
Deposit HK$1.82M · loan HK$2.74M · min. income ≈ HK$29,272/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$73,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,562
−HK$913/mo
▼ 0.25% · 3.875%
HK$15,015
−HK$460/mo
Today · 4.125%
HK$15,475
baseline
▲ 0.50% · 4.625%
HK$16,416
+HK$941/mo
Deposit HK$1.37M · loan HK$3.19M · min. income ≈ HK$30,950/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$73,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,200
−HK$875/mo
▼ 0.25% · 3.875%
HK$16,634
−HK$441/mo
Today · 4.125%
HK$17,075
baseline
▲ 0.50% · 4.625%
HK$17,975
+HK$900/mo
Deposit HK$1.37M · loan HK$3.19M · min. income ≈ HK$34,150/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$73,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,722
−HK$1,174/mo
▼ 0.25% · 3.875%
HK$19,304
−HK$592/mo
Today · 4.125%
HK$19,896
baseline
▲ 0.50% · 4.625%
HK$21,107
+HK$1,211/mo
Deposit HK$456K · loan HK$4.11M · min. income ≈ HK$39,792/mo (50% DSR)
Upfront cash ≈ HK$530K (deposit + AVD stamp duty HK$73,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,828
−HK$1,125/mo
▼ 0.25% · 3.875%
HK$21,387
−HK$566/mo
Today · 4.125%
HK$21,953
baseline
▲ 0.50% · 4.625%
HK$23,111
+HK$1,158/mo
Deposit HK$456K · loan HK$4.11M · min. income ≈ HK$43,906/mo (50% DSR)
Upfront cash ≈ HK$530K (deposit + AVD stamp duty HK$73,641 · 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).