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$10,381
−HK$651/mo
▼ 0.25% · 3.875%
HK$10,704
−HK$328/mo
Today · 4.125%
HK$11,032
baseline
▲ 0.50% · 4.625%
HK$11,703
+HK$671/mo
Deposit HK$2.28M · loan HK$2.28M · min. income ≈ HK$22,064/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$72,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,549
−HK$623/mo
▼ 0.25% · 3.875%
HK$11,858
−HK$314/mo
Today · 4.125%
HK$12,172
baseline
▲ 0.50% · 4.625%
HK$12,814
+HK$642/mo
Deposit HK$2.28M · loan HK$2.28M · min. income ≈ HK$24,344/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$72,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,457
−HK$781/mo
▼ 0.25% · 3.875%
HK$12,844
−HK$394/mo
Today · 4.125%
HK$13,238
baseline
▲ 0.50% · 4.625%
HK$14,044
+HK$806/mo
Deposit HK$1.82M · loan HK$2.73M · min. income ≈ HK$26,476/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$72,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,858
−HK$749/mo
▼ 0.25% · 3.875%
HK$14,230
−HK$377/mo
Today · 4.125%
HK$14,607
baseline
▲ 0.50% · 4.625%
HK$15,377
+HK$770/mo
Deposit HK$1.82M · loan HK$2.73M · min. income ≈ HK$29,214/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$72,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,533
−HK$912/mo
▼ 0.25% · 3.875%
HK$14,985
−HK$460/mo
Today · 4.125%
HK$15,445
baseline
▲ 0.50% · 4.625%
HK$16,384
+HK$939/mo
Deposit HK$1.37M · loan HK$3.19M · min. income ≈ HK$30,890/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$72,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,168
−HK$873/mo
▼ 0.25% · 3.875%
HK$16,602
−HK$439/mo
Today · 4.125%
HK$17,041
baseline
▲ 0.50% · 4.625%
HK$17,940
+HK$899/mo
Deposit HK$1.37M · loan HK$3.19M · min. income ≈ HK$34,082/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$72,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,685
−HK$1,172/mo
▼ 0.25% · 3.875%
HK$19,267
−HK$590/mo
Today · 4.125%
HK$19,857
baseline
▲ 0.50% · 4.625%
HK$21,065
+HK$1,208/mo
Deposit HK$455K · loan HK$4.10M · min. income ≈ HK$39,714/mo (50% DSR)
Upfront cash ≈ HK$528K (deposit + AVD stamp duty HK$72,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,787
−HK$1,123/mo
▼ 0.25% · 3.875%
HK$21,345
−HK$565/mo
Today · 4.125%
HK$21,910
baseline
▲ 0.50% · 4.625%
HK$23,065
+HK$1,155/mo
Deposit HK$455K · loan HK$4.10M · min. income ≈ HK$43,820/mo (50% DSR)
Upfront cash ≈ HK$528K (deposit + AVD stamp duty HK$72,749 · 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).