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$10,413
−HK$653/mo
▼ 0.25% · 3.875%
HK$10,737
−HK$329/mo
Today · 4.125%
HK$11,066
baseline
▲ 0.50% · 4.625%
HK$11,739
+HK$673/mo
Deposit HK$2.28M · loan HK$2.28M · min. income ≈ HK$22,132/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$74,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,584
−HK$626/mo
▼ 0.25% · 3.875%
HK$11,895
−HK$315/mo
Today · 4.125%
HK$12,210
baseline
▲ 0.50% · 4.625%
HK$12,853
+HK$643/mo
Deposit HK$2.28M · loan HK$2.28M · min. income ≈ HK$24,420/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$74,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,495
−HK$784/mo
▼ 0.25% · 3.875%
HK$12,884
−HK$395/mo
Today · 4.125%
HK$13,279
baseline
▲ 0.50% · 4.625%
HK$14,087
+HK$808/mo
Deposit HK$1.83M · loan HK$2.74M · min. income ≈ HK$26,558/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$74,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,901
−HK$751/mo
▼ 0.25% · 3.875%
HK$14,274
−HK$378/mo
Today · 4.125%
HK$14,652
baseline
▲ 0.50% · 4.625%
HK$15,424
+HK$772/mo
Deposit HK$1.83M · loan HK$2.74M · min. income ≈ HK$29,304/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$74,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,578
−HK$914/mo
▼ 0.25% · 3.875%
HK$15,031
−HK$461/mo
Today · 4.125%
HK$15,492
baseline
▲ 0.50% · 4.625%
HK$16,435
+HK$943/mo
Deposit HK$1.37M · loan HK$3.20M · min. income ≈ HK$30,984/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$74,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,218
−HK$876/mo
▼ 0.25% · 3.875%
HK$16,653
−HK$441/mo
Today · 4.125%
HK$17,094
baseline
▲ 0.50% · 4.625%
HK$17,995
+HK$901/mo
Deposit HK$1.37M · loan HK$3.20M · min. income ≈ HK$34,188/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$74,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,743
−HK$1,175/mo
▼ 0.25% · 3.875%
HK$19,326
−HK$592/mo
Today · 4.125%
HK$19,918
baseline
▲ 0.50% · 4.625%
HK$21,130
+HK$1,212/mo
Deposit HK$457K · loan HK$4.11M · min. income ≈ HK$39,836/mo (50% DSR)
Upfront cash ≈ HK$531K (deposit + AVD stamp duty HK$74,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,851
−HK$1,127/mo
▼ 0.25% · 3.875%
HK$21,410
−HK$568/mo
Today · 4.125%
HK$21,978
baseline
▲ 0.50% · 4.625%
HK$23,136
+HK$1,158/mo
Deposit HK$457K · loan HK$4.11M · min. income ≈ HK$43,956/mo (50% DSR)
Upfront cash ≈ HK$531K (deposit + AVD stamp duty HK$74,147 · 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).