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$10,366
−HK$650/mo
▼ 0.25% · 3.875%
HK$10,688
−HK$328/mo
Today · 4.125%
HK$11,016
baseline
▲ 0.50% · 4.625%
HK$11,686
+HK$670/mo
Deposit HK$2.27M · loan HK$2.27M · min. income ≈ HK$22,032/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$72,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,532
−HK$623/mo
▼ 0.25% · 3.875%
HK$11,841
−HK$314/mo
Today · 4.125%
HK$12,155
baseline
▲ 0.50% · 4.625%
HK$12,796
+HK$641/mo
Deposit HK$2.27M · loan HK$2.27M · min. income ≈ HK$24,310/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$72,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,439
−HK$780/mo
▼ 0.25% · 3.875%
HK$12,826
−HK$393/mo
Today · 4.125%
HK$13,219
baseline
▲ 0.50% · 4.625%
HK$14,023
+HK$804/mo
Deposit HK$1.82M · loan HK$2.73M · min. income ≈ HK$26,438/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$72,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,838
−HK$748/mo
▼ 0.25% · 3.875%
HK$14,209
−HK$377/mo
Today · 4.125%
HK$14,586
baseline
▲ 0.50% · 4.625%
HK$15,355
+HK$769/mo
Deposit HK$1.82M · loan HK$2.73M · min. income ≈ HK$29,172/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$72,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,512
−HK$910/mo
▼ 0.25% · 3.875%
HK$14,964
−HK$458/mo
Today · 4.125%
HK$15,422
baseline
▲ 0.50% · 4.625%
HK$16,361
+HK$939/mo
Deposit HK$1.36M · loan HK$3.18M · min. income ≈ HK$30,844/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$72,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,145
−HK$872/mo
▼ 0.25% · 3.875%
HK$16,578
−HK$439/mo
Today · 4.125%
HK$17,017
baseline
▲ 0.50% · 4.625%
HK$17,914
+HK$897/mo
Deposit HK$1.36M · loan HK$3.18M · min. income ≈ HK$34,034/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$72,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,659
−HK$1,170/mo
▼ 0.25% · 3.875%
HK$19,239
−HK$590/mo
Today · 4.125%
HK$19,829
baseline
▲ 0.50% · 4.625%
HK$21,035
+HK$1,206/mo
Deposit HK$455K · loan HK$4.09M · min. income ≈ HK$39,658/mo (50% DSR)
Upfront cash ≈ HK$527K (deposit + AVD stamp duty HK$72,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,757
−HK$1,122/mo
▼ 0.25% · 3.875%
HK$21,314
−HK$565/mo
Today · 4.125%
HK$21,879
baseline
▲ 0.50% · 4.625%
HK$23,032
+HK$1,153/mo
Deposit HK$455K · loan HK$4.09M · min. income ≈ HK$43,758/mo (50% DSR)
Upfront cash ≈ HK$527K (deposit + AVD stamp duty HK$72,092 · 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).