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$10,460
−HK$656/mo
▼ 0.25% · 3.875%
HK$10,785
−HK$331/mo
Today · 4.125%
HK$11,116
baseline
▲ 0.50% · 4.625%
HK$11,792
+HK$676/mo
Deposit HK$2.29M · loan HK$2.29M · min. income ≈ HK$22,232/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$76,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,637
−HK$628/mo
▼ 0.25% · 3.875%
HK$11,949
−HK$316/mo
Today · 4.125%
HK$12,265
baseline
▲ 0.50% · 4.625%
HK$12,912
+HK$647/mo
Deposit HK$2.29M · loan HK$2.29M · min. income ≈ HK$24,530/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$76,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,552
−HK$787/mo
▼ 0.25% · 3.875%
HK$12,942
−HK$397/mo
Today · 4.125%
HK$13,339
baseline
▲ 0.50% · 4.625%
HK$14,151
+HK$812/mo
Deposit HK$1.83M · loan HK$2.75M · min. income ≈ HK$26,678/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$76,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,964
−HK$754/mo
▼ 0.25% · 3.875%
HK$14,339
−HK$379/mo
Today · 4.125%
HK$14,718
baseline
▲ 0.50% · 4.625%
HK$15,494
+HK$776/mo
Deposit HK$1.83M · loan HK$2.75M · min. income ≈ HK$29,436/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$76,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,644
−HK$918/mo
▼ 0.25% · 3.875%
HK$15,100
−HK$462/mo
Today · 4.125%
HK$15,562
baseline
▲ 0.50% · 4.625%
HK$16,509
+HK$947/mo
Deposit HK$1.38M · loan HK$3.21M · min. income ≈ HK$31,124/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$76,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,291
−HK$881/mo
▼ 0.25% · 3.875%
HK$16,728
−HK$444/mo
Today · 4.125%
HK$17,172
baseline
▲ 0.50% · 4.625%
HK$18,077
+HK$905/mo
Deposit HK$1.38M · loan HK$3.21M · min. income ≈ HK$34,344/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$76,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,828
−HK$1,181/mo
▼ 0.25% · 3.875%
HK$19,414
−HK$595/mo
Today · 4.125%
HK$20,009
baseline
▲ 0.50% · 4.625%
HK$21,226
+HK$1,217/mo
Deposit HK$459K · loan HK$4.13M · min. income ≈ HK$40,018/mo (50% DSR)
Upfront cash ≈ HK$535K (deposit + AVD stamp duty HK$76,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,946
−HK$1,132/mo
▼ 0.25% · 3.875%
HK$21,508
−HK$570/mo
Today · 4.125%
HK$22,078
baseline
▲ 0.50% · 4.625%
HK$23,241
+HK$1,163/mo
Deposit HK$459K · loan HK$4.13M · min. income ≈ HK$44,156/mo (50% DSR)
Upfront cash ≈ HK$535K (deposit + AVD stamp duty HK$76,222 · 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).