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$10,313
−HK$646/mo
▼ 0.25% · 3.875%
HK$10,633
−HK$326/mo
Today · 4.125%
HK$10,959
baseline
▲ 0.50% · 4.625%
HK$11,626
+HK$667/mo
Deposit HK$2.26M · loan HK$2.26M · min. income ≈ HK$21,918/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$69,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,473
−HK$619/mo
▼ 0.25% · 3.875%
HK$11,780
−HK$312/mo
Today · 4.125%
HK$12,092
baseline
▲ 0.50% · 4.625%
HK$12,730
+HK$638/mo
Deposit HK$2.26M · loan HK$2.26M · min. income ≈ HK$24,184/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$69,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,375
−HK$776/mo
▼ 0.25% · 3.875%
HK$12,760
−HK$391/mo
Today · 4.125%
HK$13,151
baseline
▲ 0.50% · 4.625%
HK$13,951
+HK$800/mo
Deposit HK$1.81M · loan HK$2.71M · min. income ≈ HK$26,302/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$69,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,767
−HK$744/mo
▼ 0.25% · 3.875%
HK$14,136
−HK$375/mo
Today · 4.125%
HK$14,511
baseline
▲ 0.50% · 4.625%
HK$15,276
+HK$765/mo
Deposit HK$1.81M · loan HK$2.71M · min. income ≈ HK$29,022/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$69,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,438
−HK$905/mo
▼ 0.25% · 3.875%
HK$14,887
−HK$456/mo
Today · 4.125%
HK$15,343
baseline
▲ 0.50% · 4.625%
HK$16,277
+HK$934/mo
Deposit HK$1.36M · loan HK$3.17M · min. income ≈ HK$30,686/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$69,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,062
−HK$867/mo
▼ 0.25% · 3.875%
HK$16,492
−HK$437/mo
Today · 4.125%
HK$16,929
baseline
▲ 0.50% · 4.625%
HK$17,822
+HK$893/mo
Deposit HK$1.36M · loan HK$3.17M · min. income ≈ HK$33,858/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$69,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,563
−HK$1,164/mo
▼ 0.25% · 3.875%
HK$19,140
−HK$587/mo
Today · 4.125%
HK$19,727
baseline
▲ 0.50% · 4.625%
HK$20,927
+HK$1,200/mo
Deposit HK$452K · loan HK$4.07M · min. income ≈ HK$39,454/mo (50% DSR)
Upfront cash ≈ HK$522K (deposit + AVD stamp duty HK$69,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,651
−HK$1,115/mo
▼ 0.25% · 3.875%
HK$21,205
−HK$561/mo
Today · 4.125%
HK$21,766
baseline
▲ 0.50% · 4.625%
HK$22,914
+HK$1,148/mo
Deposit HK$452K · loan HK$4.07M · min. income ≈ HK$43,532/mo (50% DSR)
Upfront cash ≈ HK$522K (deposit + AVD stamp duty HK$69,756 · 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).