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$10,396
−HK$651/mo
▼ 0.25% · 3.875%
HK$10,719
−HK$328/mo
Today · 4.125%
HK$11,047
baseline
▲ 0.50% · 4.625%
HK$11,720
+HK$673/mo
Deposit HK$2.28M · loan HK$2.28M · min. income ≈ HK$22,094/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$73,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,565
−HK$625/mo
▼ 0.25% · 3.875%
HK$11,875
−HK$315/mo
Today · 4.125%
HK$12,190
baseline
▲ 0.50% · 4.625%
HK$12,832
+HK$642/mo
Deposit HK$2.28M · loan HK$2.28M · min. income ≈ HK$24,380/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$73,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,475
−HK$782/mo
▼ 0.25% · 3.875%
HK$12,863
−HK$394/mo
Today · 4.125%
HK$13,257
baseline
▲ 0.50% · 4.625%
HK$14,064
+HK$807/mo
Deposit HK$1.82M · loan HK$2.74M · min. income ≈ HK$26,514/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$73,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,878
−HK$750/mo
▼ 0.25% · 3.875%
HK$14,250
−HK$378/mo
Today · 4.125%
HK$14,628
baseline
▲ 0.50% · 4.625%
HK$15,399
+HK$771/mo
Deposit HK$1.82M · loan HK$2.74M · min. income ≈ HK$29,256/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$73,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,554
−HK$912/mo
▼ 0.25% · 3.875%
HK$15,006
−HK$460/mo
Today · 4.125%
HK$15,466
baseline
▲ 0.50% · 4.625%
HK$16,407
+HK$941/mo
Deposit HK$1.37M · loan HK$3.19M · min. income ≈ HK$30,932/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$73,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,191
−HK$875/mo
▼ 0.25% · 3.875%
HK$16,625
−HK$441/mo
Today · 4.125%
HK$17,066
baseline
▲ 0.50% · 4.625%
HK$17,965
+HK$899/mo
Deposit HK$1.37M · loan HK$3.19M · min. income ≈ HK$34,132/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$73,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,712
−HK$1,173/mo
▼ 0.25% · 3.875%
HK$19,294
−HK$591/mo
Today · 4.125%
HK$19,885
baseline
▲ 0.50% · 4.625%
HK$21,095
+HK$1,210/mo
Deposit HK$456K · loan HK$4.10M · min. income ≈ HK$39,770/mo (50% DSR)
Upfront cash ≈ HK$529K (deposit + AVD stamp duty HK$73,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,817
−HK$1,124/mo
▼ 0.25% · 3.875%
HK$21,375
−HK$566/mo
Today · 4.125%
HK$21,941
baseline
▲ 0.50% · 4.625%
HK$23,098
+HK$1,157/mo
Deposit HK$456K · loan HK$4.10M · min. income ≈ HK$43,882/mo (50% DSR)
Upfront cash ≈ HK$529K (deposit + AVD stamp duty HK$73,392 · 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).