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$10,353
−HK$649/mo
▼ 0.25% · 3.875%
HK$10,675
−HK$327/mo
Today · 4.125%
HK$11,002
baseline
▲ 0.50% · 4.625%
HK$11,672
+HK$670/mo
Deposit HK$2.27M · loan HK$2.27M · min. income ≈ HK$22,004/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$71,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,518
−HK$622/mo
▼ 0.25% · 3.875%
HK$11,827
−HK$313/mo
Today · 4.125%
HK$12,140
baseline
▲ 0.50% · 4.625%
HK$12,780
+HK$640/mo
Deposit HK$2.27M · loan HK$2.27M · min. income ≈ HK$24,280/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$71,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,424
−HK$779/mo
▼ 0.25% · 3.875%
HK$12,810
−HK$393/mo
Today · 4.125%
HK$13,203
baseline
▲ 0.50% · 4.625%
HK$14,006
+HK$803/mo
Deposit HK$1.82M · loan HK$2.72M · min. income ≈ HK$26,406/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$71,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,821
−HK$747/mo
▼ 0.25% · 3.875%
HK$14,192
−HK$376/mo
Today · 4.125%
HK$14,568
baseline
▲ 0.50% · 4.625%
HK$15,336
+HK$768/mo
Deposit HK$1.82M · loan HK$2.72M · min. income ≈ HK$29,136/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$71,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,494
−HK$909/mo
▼ 0.25% · 3.875%
HK$14,945
−HK$458/mo
Today · 4.125%
HK$15,403
baseline
▲ 0.50% · 4.625%
HK$16,341
+HK$938/mo
Deposit HK$1.36M · loan HK$3.18M · min. income ≈ HK$30,806/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$71,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,125
−HK$871/mo
▼ 0.25% · 3.875%
HK$16,557
−HK$439/mo
Today · 4.125%
HK$16,996
baseline
▲ 0.50% · 4.625%
HK$17,892
+HK$896/mo
Deposit HK$1.36M · loan HK$3.18M · min. income ≈ HK$33,992/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$71,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,636
−HK$1,168/mo
▼ 0.25% · 3.875%
HK$19,215
−HK$589/mo
Today · 4.125%
HK$19,804
baseline
▲ 0.50% · 4.625%
HK$21,009
+HK$1,205/mo
Deposit HK$454K · loan HK$4.09M · min. income ≈ HK$39,608/mo (50% DSR)
Upfront cash ≈ HK$526K (deposit + AVD stamp duty HK$71,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,732
−HK$1,120/mo
▼ 0.25% · 3.875%
HK$21,288
−HK$564/mo
Today · 4.125%
HK$21,852
baseline
▲ 0.50% · 4.625%
HK$23,004
+HK$1,152/mo
Deposit HK$454K · loan HK$4.09M · min. income ≈ HK$43,704/mo (50% DSR)
Upfront cash ≈ HK$526K (deposit + AVD stamp duty HK$71,537 · 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).