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$10,206
−HK$640/mo
▼ 0.25% · 3.875%
HK$10,523
−HK$323/mo
Today · 4.125%
HK$10,846
baseline
▲ 0.50% · 4.625%
HK$11,506
+HK$660/mo
Deposit HK$2.24M · loan HK$2.24M · min. income ≈ HK$21,692/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$67,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,354
−HK$613/mo
▼ 0.25% · 3.875%
HK$11,658
−HK$309/mo
Today · 4.125%
HK$11,967
baseline
▲ 0.50% · 4.625%
HK$12,598
+HK$631/mo
Deposit HK$2.24M · loan HK$2.24M · min. income ≈ HK$23,934/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$67,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,247
−HK$768/mo
▼ 0.25% · 3.875%
HK$12,628
−HK$387/mo
Today · 4.125%
HK$13,015
baseline
▲ 0.50% · 4.625%
HK$13,807
+HK$792/mo
Deposit HK$1.79M · loan HK$2.69M · min. income ≈ HK$26,030/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$67,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,625
−HK$736/mo
▼ 0.25% · 3.875%
HK$13,990
−HK$371/mo
Today · 4.125%
HK$14,361
baseline
▲ 0.50% · 4.625%
HK$15,118
+HK$757/mo
Deposit HK$1.79M · loan HK$2.69M · min. income ≈ HK$28,722/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$67,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,288
−HK$896/mo
▼ 0.25% · 3.875%
HK$14,733
−HK$451/mo
Today · 4.125%
HK$15,184
baseline
▲ 0.50% · 4.625%
HK$16,108
+HK$924/mo
Deposit HK$1.34M · loan HK$3.13M · min. income ≈ HK$30,368/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$67,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,895
−HK$859/mo
▼ 0.25% · 3.875%
HK$16,322
−HK$432/mo
Today · 4.125%
HK$16,754
baseline
▲ 0.50% · 4.625%
HK$17,637
+HK$883/mo
Deposit HK$1.34M · loan HK$3.13M · min. income ≈ HK$33,508/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$67,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,371
−HK$1,151/mo
▼ 0.25% · 3.875%
HK$18,942
−HK$580/mo
Today · 4.125%
HK$19,522
baseline
▲ 0.50% · 4.625%
HK$20,710
+HK$1,188/mo
Deposit HK$448K · loan HK$4.03M · min. income ≈ HK$39,044/mo (50% DSR)
Upfront cash ≈ HK$515K (deposit + AVD stamp duty HK$67,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,437
−HK$1,104/mo
▼ 0.25% · 3.875%
HK$20,985
−HK$556/mo
Today · 4.125%
HK$21,541
baseline
▲ 0.50% · 4.625%
HK$22,677
+HK$1,136/mo
Deposit HK$448K · loan HK$4.03M · min. income ≈ HK$43,082/mo (50% DSR)
Upfront cash ≈ HK$515K (deposit + AVD stamp duty HK$67,137 · 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).