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$10,412
−HK$653/mo
▼ 0.25% · 3.875%
HK$10,735
−HK$330/mo
Today · 4.125%
HK$11,065
baseline
▲ 0.50% · 4.625%
HK$11,738
+HK$673/mo
Deposit HK$2.28M · loan HK$2.28M · min. income ≈ HK$22,130/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$74,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,583
−HK$626/mo
▼ 0.25% · 3.875%
HK$11,893
−HK$316/mo
Today · 4.125%
HK$12,209
baseline
▲ 0.50% · 4.625%
HK$12,852
+HK$643/mo
Deposit HK$2.28M · loan HK$2.28M · min. income ≈ HK$24,418/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$74,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,494
−HK$783/mo
▼ 0.25% · 3.875%
HK$12,883
−HK$394/mo
Today · 4.125%
HK$13,277
baseline
▲ 0.50% · 4.625%
HK$14,085
+HK$808/mo
Deposit HK$1.83M · loan HK$2.74M · min. income ≈ HK$26,554/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$74,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,899
−HK$751/mo
▼ 0.25% · 3.875%
HK$14,272
−HK$378/mo
Today · 4.125%
HK$14,650
baseline
▲ 0.50% · 4.625%
HK$15,423
+HK$773/mo
Deposit HK$1.83M · loan HK$2.74M · min. income ≈ HK$29,300/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$74,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,576
−HK$914/mo
▼ 0.25% · 3.875%
HK$15,030
−HK$460/mo
Today · 4.125%
HK$15,490
baseline
▲ 0.50% · 4.625%
HK$16,433
+HK$943/mo
Deposit HK$1.37M · loan HK$3.20M · min. income ≈ HK$30,980/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$74,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,216
−HK$876/mo
▼ 0.25% · 3.875%
HK$16,651
−HK$441/mo
Today · 4.125%
HK$17,092
baseline
▲ 0.50% · 4.625%
HK$17,993
+HK$901/mo
Deposit HK$1.37M · loan HK$3.20M · min. income ≈ HK$34,184/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$74,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,741
−HK$1,175/mo
▼ 0.25% · 3.875%
HK$19,324
−HK$592/mo
Today · 4.125%
HK$19,916
baseline
▲ 0.50% · 4.625%
HK$21,128
+HK$1,212/mo
Deposit HK$457K · loan HK$4.11M · min. income ≈ HK$39,832/mo (50% DSR)
Upfront cash ≈ HK$531K (deposit + AVD stamp duty HK$74,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,849
−HK$1,127/mo
▼ 0.25% · 3.875%
HK$21,408
−HK$568/mo
Today · 4.125%
HK$21,976
baseline
▲ 0.50% · 4.625%
HK$23,134
+HK$1,158/mo
Deposit HK$457K · loan HK$4.11M · min. income ≈ HK$43,952/mo (50% DSR)
Upfront cash ≈ HK$531K (deposit + AVD stamp duty HK$74,100 · 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).