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$10,443
−HK$655/mo
▼ 0.25% · 3.875%
HK$10,768
−HK$330/mo
Today · 4.125%
HK$11,098
baseline
▲ 0.50% · 4.625%
HK$11,773
+HK$675/mo
Deposit HK$2.29M · loan HK$2.29M · min. income ≈ HK$22,196/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$75,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,618
−HK$628/mo
▼ 0.25% · 3.875%
HK$11,930
−HK$316/mo
Today · 4.125%
HK$12,246
baseline
▲ 0.50% · 4.625%
HK$12,891
+HK$645/mo
Deposit HK$2.29M · loan HK$2.29M · min. income ≈ HK$24,492/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$75,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,532
−HK$786/mo
▼ 0.25% · 3.875%
HK$12,922
−HK$396/mo
Today · 4.125%
HK$13,318
baseline
▲ 0.50% · 4.625%
HK$14,128
+HK$810/mo
Deposit HK$1.83M · loan HK$2.75M · min. income ≈ HK$26,636/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$75,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,942
−HK$753/mo
▼ 0.25% · 3.875%
HK$14,315
−HK$380/mo
Today · 4.125%
HK$14,695
baseline
▲ 0.50% · 4.625%
HK$15,469
+HK$774/mo
Deposit HK$1.83M · loan HK$2.75M · min. income ≈ HK$29,390/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$75,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,620
−HK$917/mo
▼ 0.25% · 3.875%
HK$15,075
−HK$462/mo
Today · 4.125%
HK$15,537
baseline
▲ 0.50% · 4.625%
HK$16,483
+HK$946/mo
Deposit HK$1.37M · loan HK$3.21M · min. income ≈ HK$31,074/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$75,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,265
−HK$879/mo
▼ 0.25% · 3.875%
HK$16,701
−HK$443/mo
Today · 4.125%
HK$17,144
baseline
▲ 0.50% · 4.625%
HK$18,048
+HK$904/mo
Deposit HK$1.37M · loan HK$3.21M · min. income ≈ HK$34,288/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$75,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,798
−HK$1,179/mo
▼ 0.25% · 3.875%
HK$19,382
−HK$595/mo
Today · 4.125%
HK$19,977
baseline
▲ 0.50% · 4.625%
HK$21,192
+HK$1,215/mo
Deposit HK$458K · loan HK$4.12M · min. income ≈ HK$39,954/mo (50% DSR)
Upfront cash ≈ HK$533K (deposit + AVD stamp duty HK$75,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,912
−HK$1,130/mo
▼ 0.25% · 3.875%
HK$21,473
−HK$569/mo
Today · 4.125%
HK$22,042
baseline
▲ 0.50% · 4.625%
HK$23,204
+HK$1,162/mo
Deposit HK$458K · loan HK$4.12M · min. income ≈ HK$44,084/mo (50% DSR)
Upfront cash ≈ HK$533K (deposit + AVD stamp duty HK$75,485 · 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).