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$10,449
−HK$655/mo
▼ 0.25% · 3.875%
HK$10,774
−HK$330/mo
Today · 4.125%
HK$11,104
baseline
▲ 0.50% · 4.625%
HK$11,780
+HK$676/mo
Deposit HK$2.29M · loan HK$2.29M · min. income ≈ HK$22,208/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$75,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,624
−HK$628/mo
▼ 0.25% · 3.875%
HK$11,936
−HK$316/mo
Today · 4.125%
HK$12,252
baseline
▲ 0.50% · 4.625%
HK$12,898
+HK$646/mo
Deposit HK$2.29M · loan HK$2.29M · min. income ≈ HK$24,504/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$75,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,538
−HK$787/mo
▼ 0.25% · 3.875%
HK$12,928
−HK$397/mo
Today · 4.125%
HK$13,325
baseline
▲ 0.50% · 4.625%
HK$14,135
+HK$810/mo
Deposit HK$1.83M · loan HK$2.75M · min. income ≈ HK$26,650/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$75,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,949
−HK$753/mo
▼ 0.25% · 3.875%
HK$14,323
−HK$379/mo
Today · 4.125%
HK$14,702
baseline
▲ 0.50% · 4.625%
HK$15,477
+HK$775/mo
Deposit HK$1.83M · loan HK$2.75M · min. income ≈ HK$29,404/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$75,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,628
−HK$917/mo
▼ 0.25% · 3.875%
HK$15,083
−HK$462/mo
Today · 4.125%
HK$15,545
baseline
▲ 0.50% · 4.625%
HK$16,491
+HK$946/mo
Deposit HK$1.37M · loan HK$3.21M · min. income ≈ HK$31,090/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$75,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,274
−HK$879/mo
▼ 0.25% · 3.875%
HK$16,710
−HK$443/mo
Today · 4.125%
HK$17,153
baseline
▲ 0.50% · 4.625%
HK$18,057
+HK$904/mo
Deposit HK$1.37M · loan HK$3.21M · min. income ≈ HK$34,306/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$75,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,808
−HK$1,179/mo
▼ 0.25% · 3.875%
HK$19,393
−HK$594/mo
Today · 4.125%
HK$19,987
baseline
▲ 0.50% · 4.625%
HK$21,203
+HK$1,216/mo
Deposit HK$458K · loan HK$4.12M · min. income ≈ HK$39,974/mo (50% DSR)
Upfront cash ≈ HK$534K (deposit + AVD stamp duty HK$75,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,923
−HK$1,131/mo
▼ 0.25% · 3.875%
HK$21,484
−HK$570/mo
Today · 4.125%
HK$22,054
baseline
▲ 0.50% · 4.625%
HK$23,216
+HK$1,162/mo
Deposit HK$458K · loan HK$4.12M · min. income ≈ HK$44,108/mo (50% DSR)
Upfront cash ≈ HK$534K (deposit + AVD stamp duty HK$75,723 · 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).