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$10,200
−HK$640/mo
▼ 0.25% · 3.875%
HK$10,517
−HK$323/mo
Today · 4.125%
HK$10,840
baseline
▲ 0.50% · 4.625%
HK$11,499
+HK$659/mo
Deposit HK$2.24M · loan HK$2.24M · min. income ≈ HK$21,680/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$67,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,347
−HK$613/mo
▼ 0.25% · 3.875%
HK$11,652
−HK$308/mo
Today · 4.125%
HK$11,960
baseline
▲ 0.50% · 4.625%
HK$12,591
+HK$631/mo
Deposit HK$2.24M · loan HK$2.24M · min. income ≈ HK$23,920/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$67,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,240
−HK$767/mo
▼ 0.25% · 3.875%
HK$12,621
−HK$386/mo
Today · 4.125%
HK$13,007
baseline
▲ 0.50% · 4.625%
HK$13,799
+HK$792/mo
Deposit HK$1.79M · loan HK$2.68M · min. income ≈ HK$26,014/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$67,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,617
−HK$735/mo
▼ 0.25% · 3.875%
HK$13,982
−HK$370/mo
Today · 4.125%
HK$14,352
baseline
▲ 0.50% · 4.625%
HK$15,109
+HK$757/mo
Deposit HK$1.79M · loan HK$2.68M · min. income ≈ HK$28,704/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$67,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,280
−HK$895/mo
▼ 0.25% · 3.875%
HK$14,724
−HK$451/mo
Today · 4.125%
HK$15,175
baseline
▲ 0.50% · 4.625%
HK$16,099
+HK$924/mo
Deposit HK$1.34M · loan HK$3.13M · min. income ≈ HK$30,350/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$67,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,886
−HK$859/mo
▼ 0.25% · 3.875%
HK$16,312
−HK$433/mo
Today · 4.125%
HK$16,745
baseline
▲ 0.50% · 4.625%
HK$17,627
+HK$882/mo
Deposit HK$1.34M · loan HK$3.13M · min. income ≈ HK$33,490/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$67,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,360
−HK$1,151/mo
▼ 0.25% · 3.875%
HK$18,931
−HK$580/mo
Today · 4.125%
HK$19,511
baseline
▲ 0.50% · 4.625%
HK$20,698
+HK$1,187/mo
Deposit HK$447K · loan HK$4.03M · min. income ≈ HK$39,022/mo (50% DSR)
Upfront cash ≈ HK$514K (deposit + AVD stamp duty HK$67,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,425
−HK$1,104/mo
▼ 0.25% · 3.875%
HK$20,973
−HK$556/mo
Today · 4.125%
HK$21,529
baseline
▲ 0.50% · 4.625%
HK$22,664
+HK$1,135/mo
Deposit HK$447K · loan HK$4.03M · min. income ≈ HK$43,058/mo (50% DSR)
Upfront cash ≈ HK$514K (deposit + AVD stamp duty HK$67,098 · 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).