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$10,441
−HK$655/mo
▼ 0.25% · 3.875%
HK$10,766
−HK$330/mo
Today · 4.125%
HK$11,096
baseline
▲ 0.50% · 4.625%
HK$11,771
+HK$675/mo
Deposit HK$2.29M · loan HK$2.29M · min. income ≈ HK$22,192/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$75,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,616
−HK$628/mo
▼ 0.25% · 3.875%
HK$11,927
−HK$317/mo
Today · 4.125%
HK$12,244
baseline
▲ 0.50% · 4.625%
HK$12,889
+HK$645/mo
Deposit HK$2.29M · loan HK$2.29M · min. income ≈ HK$24,488/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$75,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,530
−HK$785/mo
▼ 0.25% · 3.875%
HK$12,919
−HK$396/mo
Today · 4.125%
HK$13,315
baseline
▲ 0.50% · 4.625%
HK$14,126
+HK$811/mo
Deposit HK$1.83M · loan HK$2.75M · min. income ≈ HK$26,630/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$75,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,939
−HK$753/mo
▼ 0.25% · 3.875%
HK$14,313
−HK$379/mo
Today · 4.125%
HK$14,692
baseline
▲ 0.50% · 4.625%
HK$15,467
+HK$775/mo
Deposit HK$1.83M · loan HK$2.75M · min. income ≈ HK$29,384/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$75,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,618
−HK$917/mo
▼ 0.25% · 3.875%
HK$15,073
−HK$462/mo
Today · 4.125%
HK$15,535
baseline
▲ 0.50% · 4.625%
HK$16,480
+HK$945/mo
Deposit HK$1.37M · loan HK$3.21M · min. income ≈ HK$31,070/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$75,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,262
−HK$879/mo
▼ 0.25% · 3.875%
HK$16,698
−HK$443/mo
Today · 4.125%
HK$17,141
baseline
▲ 0.50% · 4.625%
HK$18,044
+HK$903/mo
Deposit HK$1.37M · loan HK$3.21M · min. income ≈ HK$34,282/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$75,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,795
−HK$1,178/mo
▼ 0.25% · 3.875%
HK$19,379
−HK$594/mo
Today · 4.125%
HK$19,973
baseline
▲ 0.50% · 4.625%
HK$21,188
+HK$1,215/mo
Deposit HK$458K · loan HK$4.12M · min. income ≈ HK$39,946/mo (50% DSR)
Upfront cash ≈ HK$533K (deposit + AVD stamp duty HK$75,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,909
−HK$1,129/mo
▼ 0.25% · 3.875%
HK$21,469
−HK$569/mo
Today · 4.125%
HK$22,038
baseline
▲ 0.50% · 4.625%
HK$23,200
+HK$1,162/mo
Deposit HK$458K · loan HK$4.12M · min. income ≈ HK$44,076/mo (50% DSR)
Upfront cash ≈ HK$533K (deposit + AVD stamp duty HK$75,405 · 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).