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$10,223
−HK$641/mo
▼ 0.25% · 3.875%
HK$10,541
−HK$323/mo
Today · 4.125%
HK$10,864
baseline
▲ 0.50% · 4.625%
HK$11,525
+HK$661/mo
Deposit HK$2.24M · loan HK$2.24M · min. income ≈ HK$21,728/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$67,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,372
−HK$615/mo
▼ 0.25% · 3.875%
HK$11,677
−HK$310/mo
Today · 4.125%
HK$11,987
baseline
▲ 0.50% · 4.625%
HK$12,619
+HK$632/mo
Deposit HK$2.24M · loan HK$2.24M · min. income ≈ HK$23,974/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$67,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,267
−HK$769/mo
▼ 0.25% · 3.875%
HK$12,649
−HK$387/mo
Today · 4.125%
HK$13,036
baseline
▲ 0.50% · 4.625%
HK$13,830
+HK$794/mo
Deposit HK$1.79M · loan HK$2.69M · min. income ≈ HK$26,072/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$67,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,647
−HK$737/mo
▼ 0.25% · 3.875%
HK$14,013
−HK$371/mo
Today · 4.125%
HK$14,384
baseline
▲ 0.50% · 4.625%
HK$15,142
+HK$758/mo
Deposit HK$1.79M · loan HK$2.69M · min. income ≈ HK$28,768/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$67,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,312
−HK$897/mo
▼ 0.25% · 3.875%
HK$14,757
−HK$452/mo
Today · 4.125%
HK$15,209
baseline
▲ 0.50% · 4.625%
HK$16,134
+HK$925/mo
Deposit HK$1.34M · loan HK$3.14M · min. income ≈ HK$30,418/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$67,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,921
−HK$861/mo
▼ 0.25% · 3.875%
HK$16,348
−HK$434/mo
Today · 4.125%
HK$16,782
baseline
▲ 0.50% · 4.625%
HK$17,666
+HK$884/mo
Deposit HK$1.34M · loan HK$3.14M · min. income ≈ HK$33,564/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$67,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,401
−HK$1,153/mo
▼ 0.25% · 3.875%
HK$18,973
−HK$581/mo
Today · 4.125%
HK$19,554
baseline
▲ 0.50% · 4.625%
HK$20,744
+HK$1,190/mo
Deposit HK$448K · loan HK$4.03M · min. income ≈ HK$39,108/mo (50% DSR)
Upfront cash ≈ HK$516K (deposit + AVD stamp duty HK$67,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,470
−HK$1,106/mo
▼ 0.25% · 3.875%
HK$21,019
−HK$557/mo
Today · 4.125%
HK$21,576
baseline
▲ 0.50% · 4.625%
HK$22,714
+HK$1,138/mo
Deposit HK$448K · loan HK$4.03M · min. income ≈ HK$43,152/mo (50% DSR)
Upfront cash ≈ HK$516K (deposit + AVD stamp duty HK$67,246 · 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).