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$10,223
−HK$641/mo
▼ 0.25% · 3.875%
HK$10,541
−HK$323/mo
Today · 4.125%
HK$10,864
baseline
▲ 0.50% · 4.625%
HK$11,525
+HK$661/mo
Deposit HK$2.24M · loan HK$2.24M · min. income ≈ HK$21,728/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$67,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,373
−HK$614/mo
▼ 0.25% · 3.875%
HK$11,678
−HK$309/mo
Today · 4.125%
HK$11,987
baseline
▲ 0.50% · 4.625%
HK$12,619
+HK$632/mo
Deposit HK$2.24M · loan HK$2.24M · min. income ≈ HK$23,974/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$67,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,267
−HK$770/mo
▼ 0.25% · 3.875%
HK$12,649
−HK$388/mo
Today · 4.125%
HK$13,037
baseline
▲ 0.50% · 4.625%
HK$13,830
+HK$793/mo
Deposit HK$1.79M · loan HK$2.69M · min. income ≈ HK$26,074/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$67,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,647
−HK$738/mo
▼ 0.25% · 3.875%
HK$14,013
−HK$372/mo
Today · 4.125%
HK$14,385
baseline
▲ 0.50% · 4.625%
HK$15,143
+HK$758/mo
Deposit HK$1.79M · loan HK$2.69M · min. income ≈ HK$28,770/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$67,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,312
−HK$897/mo
▼ 0.25% · 3.875%
HK$14,757
−HK$452/mo
Today · 4.125%
HK$15,209
baseline
▲ 0.50% · 4.625%
HK$16,135
+HK$926/mo
Deposit HK$1.34M · loan HK$3.14M · min. income ≈ HK$30,418/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$67,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,922
−HK$860/mo
▼ 0.25% · 3.875%
HK$16,349
−HK$433/mo
Today · 4.125%
HK$16,782
baseline
▲ 0.50% · 4.625%
HK$17,667
+HK$885/mo
Deposit HK$1.34M · loan HK$3.14M · min. income ≈ HK$33,564/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$67,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,401
−HK$1,154/mo
▼ 0.25% · 3.875%
HK$18,973
−HK$582/mo
Today · 4.125%
HK$19,555
baseline
▲ 0.50% · 4.625%
HK$20,745
+HK$1,190/mo
Deposit HK$448K · loan HK$4.03M · min. income ≈ HK$39,110/mo (50% DSR)
Upfront cash ≈ HK$516K (deposit + AVD stamp duty HK$67,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,471
−HK$1,106/mo
▼ 0.25% · 3.875%
HK$21,020
−HK$557/mo
Today · 4.125%
HK$21,577
baseline
▲ 0.50% · 4.625%
HK$22,714
+HK$1,137/mo
Deposit HK$448K · loan HK$4.03M · min. income ≈ HK$43,154/mo (50% DSR)
Upfront cash ≈ HK$516K (deposit + AVD stamp duty HK$67,248 · 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).