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$10,446
−HK$656/mo
▼ 0.25% · 3.875%
HK$10,771
−HK$331/mo
Today · 4.125%
HK$11,102
baseline
▲ 0.50% · 4.625%
HK$11,777
+HK$675/mo
Deposit HK$2.29M · loan HK$2.29M · min. income ≈ HK$22,204/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$75,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,622
−HK$627/mo
▼ 0.25% · 3.875%
HK$11,933
−HK$316/mo
Today · 4.125%
HK$12,249
baseline
▲ 0.50% · 4.625%
HK$12,895
+HK$646/mo
Deposit HK$2.29M · loan HK$2.29M · min. income ≈ HK$24,498/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$75,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,536
−HK$786/mo
▼ 0.25% · 3.875%
HK$12,926
−HK$396/mo
Today · 4.125%
HK$13,322
baseline
▲ 0.50% · 4.625%
HK$14,132
+HK$810/mo
Deposit HK$1.83M · loan HK$2.75M · min. income ≈ HK$26,644/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$75,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,946
−HK$753/mo
▼ 0.25% · 3.875%
HK$14,320
−HK$379/mo
Today · 4.125%
HK$14,699
baseline
▲ 0.50% · 4.625%
HK$15,474
+HK$775/mo
Deposit HK$1.83M · loan HK$2.75M · min. income ≈ HK$29,398/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$75,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,625
−HK$917/mo
▼ 0.25% · 3.875%
HK$15,080
−HK$462/mo
Today · 4.125%
HK$15,542
baseline
▲ 0.50% · 4.625%
HK$16,488
+HK$946/mo
Deposit HK$1.37M · loan HK$3.21M · min. income ≈ HK$31,084/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$75,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,270
−HK$879/mo
▼ 0.25% · 3.875%
HK$16,707
−HK$442/mo
Today · 4.125%
HK$17,149
baseline
▲ 0.50% · 4.625%
HK$18,053
+HK$904/mo
Deposit HK$1.37M · loan HK$3.21M · min. income ≈ HK$34,298/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$75,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,804
−HK$1,179/mo
▼ 0.25% · 3.875%
HK$19,388
−HK$595/mo
Today · 4.125%
HK$19,983
baseline
▲ 0.50% · 4.625%
HK$21,199
+HK$1,216/mo
Deposit HK$458K · loan HK$4.12M · min. income ≈ HK$39,966/mo (50% DSR)
Upfront cash ≈ HK$534K (deposit + AVD stamp duty HK$75,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,919
−HK$1,130/mo
▼ 0.25% · 3.875%
HK$21,480
−HK$569/mo
Today · 4.125%
HK$22,049
baseline
▲ 0.50% · 4.625%
HK$23,211
+HK$1,162/mo
Deposit HK$458K · loan HK$4.12M · min. income ≈ HK$44,098/mo (50% DSR)
Upfront cash ≈ HK$534K (deposit + AVD stamp duty HK$75,626 · 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).