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$10,451
−HK$655/mo
▼ 0.25% · 3.875%
HK$10,776
−HK$330/mo
Today · 4.125%
HK$11,106
baseline
▲ 0.50% · 4.625%
HK$11,782
+HK$676/mo
Deposit HK$2.29M · loan HK$2.29M · min. income ≈ HK$22,212/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$75,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,626
−HK$629/mo
▼ 0.25% · 3.875%
HK$11,938
−HK$317/mo
Today · 4.125%
HK$12,255
baseline
▲ 0.50% · 4.625%
HK$12,901
+HK$646/mo
Deposit HK$2.29M · loan HK$2.29M · min. income ≈ HK$24,510/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$75,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,541
−HK$786/mo
▼ 0.25% · 3.875%
HK$12,931
−HK$396/mo
Today · 4.125%
HK$13,327
baseline
▲ 0.50% · 4.625%
HK$14,138
+HK$811/mo
Deposit HK$1.83M · loan HK$2.75M · min. income ≈ HK$26,654/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$75,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,952
−HK$754/mo
▼ 0.25% · 3.875%
HK$14,326
−HK$380/mo
Today · 4.125%
HK$14,706
baseline
▲ 0.50% · 4.625%
HK$15,481
+HK$775/mo
Deposit HK$1.83M · loan HK$2.75M · min. income ≈ HK$29,412/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$75,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,631
−HK$918/mo
▼ 0.25% · 3.875%
HK$15,086
−HK$463/mo
Today · 4.125%
HK$15,549
baseline
▲ 0.50% · 4.625%
HK$16,495
+HK$946/mo
Deposit HK$1.37M · loan HK$3.21M · min. income ≈ HK$31,098/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$75,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,277
−HK$879/mo
▼ 0.25% · 3.875%
HK$16,714
−HK$442/mo
Today · 4.125%
HK$17,156
baseline
▲ 0.50% · 4.625%
HK$18,061
+HK$905/mo
Deposit HK$1.37M · loan HK$3.21M · min. income ≈ HK$34,312/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$75,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,812
−HK$1,179/mo
▼ 0.25% · 3.875%
HK$19,397
−HK$594/mo
Today · 4.125%
HK$19,991
baseline
▲ 0.50% · 4.625%
HK$21,208
+HK$1,217/mo
Deposit HK$458K · loan HK$4.12M · min. income ≈ HK$39,982/mo (50% DSR)
Upfront cash ≈ HK$534K (deposit + AVD stamp duty HK$75,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,928
−HK$1,130/mo
▼ 0.25% · 3.875%
HK$21,489
−HK$569/mo
Today · 4.125%
HK$22,058
baseline
▲ 0.50% · 4.625%
HK$23,221
+HK$1,163/mo
Deposit HK$458K · loan HK$4.12M · min. income ≈ HK$44,116/mo (50% DSR)
Upfront cash ≈ HK$534K (deposit + AVD stamp duty HK$75,819 · 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).