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$10,399
−HK$652/mo
▼ 0.25% · 3.875%
HK$10,723
−HK$328/mo
Today · 4.125%
HK$11,051
baseline
▲ 0.50% · 4.625%
HK$11,724
+HK$673/mo
Deposit HK$2.28M · loan HK$2.28M · min. income ≈ HK$22,102/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$73,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,569
−HK$625/mo
▼ 0.25% · 3.875%
HK$11,879
−HK$315/mo
Today · 4.125%
HK$12,194
baseline
▲ 0.50% · 4.625%
HK$12,837
+HK$643/mo
Deposit HK$2.28M · loan HK$2.28M · min. income ≈ HK$24,388/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$73,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,479
−HK$783/mo
▼ 0.25% · 3.875%
HK$12,867
−HK$395/mo
Today · 4.125%
HK$13,262
baseline
▲ 0.50% · 4.625%
HK$14,069
+HK$807/mo
Deposit HK$1.82M · loan HK$2.74M · min. income ≈ HK$26,524/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$73,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,883
−HK$750/mo
▼ 0.25% · 3.875%
HK$14,255
−HK$378/mo
Today · 4.125%
HK$14,633
baseline
▲ 0.50% · 4.625%
HK$15,404
+HK$771/mo
Deposit HK$1.82M · loan HK$2.74M · min. income ≈ HK$29,266/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$73,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,559
−HK$913/mo
▼ 0.25% · 3.875%
HK$15,012
−HK$460/mo
Today · 4.125%
HK$15,472
baseline
▲ 0.50% · 4.625%
HK$16,413
+HK$941/mo
Deposit HK$1.37M · loan HK$3.19M · min. income ≈ HK$30,944/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$73,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,197
−HK$875/mo
▼ 0.25% · 3.875%
HK$16,631
−HK$441/mo
Today · 4.125%
HK$17,072
baseline
▲ 0.50% · 4.625%
HK$17,972
+HK$900/mo
Deposit HK$1.37M · loan HK$3.19M · min. income ≈ HK$34,144/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$73,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,719
−HK$1,173/mo
▼ 0.25% · 3.875%
HK$19,301
−HK$591/mo
Today · 4.125%
HK$19,892
baseline
▲ 0.50% · 4.625%
HK$21,103
+HK$1,211/mo
Deposit HK$456K · loan HK$4.10M · min. income ≈ HK$39,784/mo (50% DSR)
Upfront cash ≈ HK$530K (deposit + AVD stamp duty HK$73,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,824
−HK$1,125/mo
▼ 0.25% · 3.875%
HK$21,383
−HK$566/mo
Today · 4.125%
HK$21,949
baseline
▲ 0.50% · 4.625%
HK$23,106
+HK$1,157/mo
Deposit HK$456K · loan HK$4.10M · min. income ≈ HK$43,898/mo (50% DSR)
Upfront cash ≈ HK$530K (deposit + AVD stamp duty HK$73,557 · 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).