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$10,308
−HK$646/mo
▼ 0.25% · 3.875%
HK$10,628
−HK$326/mo
Today · 4.125%
HK$10,954
baseline
▲ 0.50% · 4.625%
HK$11,620
+HK$666/mo
Deposit HK$2.26M · loan HK$2.26M · min. income ≈ HK$21,908/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$69,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,467
−HK$620/mo
▼ 0.25% · 3.875%
HK$11,775
−HK$312/mo
Today · 4.125%
HK$12,087
baseline
▲ 0.50% · 4.625%
HK$12,724
+HK$637/mo
Deposit HK$2.26M · loan HK$2.26M · min. income ≈ HK$24,174/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$69,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,369
−HK$776/mo
▼ 0.25% · 3.875%
HK$12,754
−HK$391/mo
Today · 4.125%
HK$13,145
baseline
▲ 0.50% · 4.625%
HK$13,945
+HK$800/mo
Deposit HK$1.81M · loan HK$2.71M · min. income ≈ HK$26,290/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$69,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,760
−HK$744/mo
▼ 0.25% · 3.875%
HK$14,130
−HK$374/mo
Today · 4.125%
HK$14,504
baseline
▲ 0.50% · 4.625%
HK$15,268
+HK$764/mo
Deposit HK$1.81M · loan HK$2.71M · min. income ≈ HK$29,008/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$69,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,431
−HK$905/mo
▼ 0.25% · 3.875%
HK$14,879
−HK$457/mo
Today · 4.125%
HK$15,336
baseline
▲ 0.50% · 4.625%
HK$16,269
+HK$933/mo
Deposit HK$1.36M · loan HK$3.16M · min. income ≈ HK$30,672/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$69,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,054
−HK$867/mo
▼ 0.25% · 3.875%
HK$16,484
−HK$437/mo
Today · 4.125%
HK$16,921
baseline
▲ 0.50% · 4.625%
HK$17,813
+HK$892/mo
Deposit HK$1.36M · loan HK$3.16M · min. income ≈ HK$33,842/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$69,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,554
−HK$1,163/mo
▼ 0.25% · 3.875%
HK$19,131
−HK$586/mo
Today · 4.125%
HK$19,717
baseline
▲ 0.50% · 4.625%
HK$20,917
+HK$1,200/mo
Deposit HK$452K · loan HK$4.07M · min. income ≈ HK$39,434/mo (50% DSR)
Upfront cash ≈ HK$522K (deposit + AVD stamp duty HK$69,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,641
−HK$1,115/mo
▼ 0.25% · 3.875%
HK$21,194
−HK$562/mo
Today · 4.125%
HK$21,756
baseline
▲ 0.50% · 4.625%
HK$22,903
+HK$1,147/mo
Deposit HK$452K · loan HK$4.07M · min. income ≈ HK$43,512/mo (50% DSR)
Upfront cash ≈ HK$522K (deposit + AVD stamp duty HK$69,536 · 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).