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$10,398
−HK$652/mo
▼ 0.25% · 3.875%
HK$10,721
−HK$329/mo
Today · 4.125%
HK$11,050
baseline
▲ 0.50% · 4.625%
HK$11,722
+HK$672/mo
Deposit HK$2.28M · loan HK$2.28M · min. income ≈ HK$22,100/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$73,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,568
−HK$624/mo
▼ 0.25% · 3.875%
HK$11,878
−HK$314/mo
Today · 4.125%
HK$12,192
baseline
▲ 0.50% · 4.625%
HK$12,835
+HK$643/mo
Deposit HK$2.28M · loan HK$2.28M · min. income ≈ HK$24,384/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$73,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,477
−HK$783/mo
▼ 0.25% · 3.875%
HK$12,866
−HK$394/mo
Today · 4.125%
HK$13,260
baseline
▲ 0.50% · 4.625%
HK$14,067
+HK$807/mo
Deposit HK$1.82M · loan HK$2.74M · min. income ≈ HK$26,520/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$73,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,881
−HK$750/mo
▼ 0.25% · 3.875%
HK$14,253
−HK$378/mo
Today · 4.125%
HK$14,631
baseline
▲ 0.50% · 4.625%
HK$15,402
+HK$771/mo
Deposit HK$1.82M · loan HK$2.74M · min. income ≈ HK$29,262/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$73,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,557
−HK$913/mo
▼ 0.25% · 3.875%
HK$15,010
−HK$460/mo
Today · 4.125%
HK$15,470
baseline
▲ 0.50% · 4.625%
HK$16,411
+HK$941/mo
Deposit HK$1.37M · loan HK$3.19M · min. income ≈ HK$30,940/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$73,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,195
−HK$874/mo
▼ 0.25% · 3.875%
HK$16,629
−HK$440/mo
Today · 4.125%
HK$17,069
baseline
▲ 0.50% · 4.625%
HK$17,969
+HK$900/mo
Deposit HK$1.37M · loan HK$3.19M · min. income ≈ HK$34,138/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$73,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,716
−HK$1,174/mo
▼ 0.25% · 3.875%
HK$19,298
−HK$592/mo
Today · 4.125%
HK$19,890
baseline
▲ 0.50% · 4.625%
HK$21,100
+HK$1,210/mo
Deposit HK$456K · loan HK$4.10M · min. income ≈ HK$39,780/mo (50% DSR)
Upfront cash ≈ HK$529K (deposit + AVD stamp duty HK$73,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,822
−HK$1,124/mo
▼ 0.25% · 3.875%
HK$21,380
−HK$566/mo
Today · 4.125%
HK$21,946
baseline
▲ 0.50% · 4.625%
HK$23,103
+HK$1,157/mo
Deposit HK$456K · loan HK$4.10M · min. income ≈ HK$43,892/mo (50% DSR)
Upfront cash ≈ HK$529K (deposit + AVD stamp duty HK$73,496 · 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).