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$10,402
−HK$652/mo
▼ 0.25% · 3.875%
HK$10,725
−HK$329/mo
Today · 4.125%
HK$11,054
baseline
▲ 0.50% · 4.625%
HK$11,726
+HK$672/mo
Deposit HK$2.28M · loan HK$2.28M · min. income ≈ HK$22,108/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$73,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,572
−HK$625/mo
▼ 0.25% · 3.875%
HK$11,882
−HK$315/mo
Today · 4.125%
HK$12,197
baseline
▲ 0.50% · 4.625%
HK$12,840
+HK$643/mo
Deposit HK$2.28M · loan HK$2.28M · min. income ≈ HK$24,394/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$73,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,482
−HK$783/mo
▼ 0.25% · 3.875%
HK$12,870
−HK$395/mo
Today · 4.125%
HK$13,265
baseline
▲ 0.50% · 4.625%
HK$14,072
+HK$807/mo
Deposit HK$1.82M · loan HK$2.74M · min. income ≈ HK$26,530/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$73,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,886
−HK$750/mo
▼ 0.25% · 3.875%
HK$14,258
−HK$378/mo
Today · 4.125%
HK$14,636
baseline
▲ 0.50% · 4.625%
HK$15,408
+HK$772/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$73,657 · 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$16,417
+HK$942/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$73,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,200
−HK$876/mo
▼ 0.25% · 3.875%
HK$16,635
−HK$441/mo
Today · 4.125%
HK$17,076
baseline
▲ 0.50% · 4.625%
HK$17,976
+HK$900/mo
Deposit HK$1.37M · loan HK$3.19M · min. income ≈ HK$34,152/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$73,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,723
−HK$1,174/mo
▼ 0.25% · 3.875%
HK$19,305
−HK$592/mo
Today · 4.125%
HK$19,897
baseline
▲ 0.50% · 4.625%
HK$21,108
+HK$1,211/mo
Deposit HK$456K · loan HK$4.11M · min. income ≈ HK$39,794/mo (50% DSR)
Upfront cash ≈ HK$530K (deposit + AVD stamp duty HK$73,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,829
−HK$1,125/mo
▼ 0.25% · 3.875%
HK$21,388
−HK$566/mo
Today · 4.125%
HK$21,954
baseline
▲ 0.50% · 4.625%
HK$23,111
+HK$1,157/mo
Deposit HK$456K · loan HK$4.11M · min. income ≈ HK$43,908/mo (50% DSR)
Upfront cash ≈ HK$530K (deposit + AVD stamp duty HK$73,657 · 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).