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$10,224
−HK$641/mo
▼ 0.25% · 3.875%
HK$10,542
−HK$323/mo
Today · 4.125%
HK$10,865
baseline
▲ 0.50% · 4.625%
HK$11,526
+HK$661/mo
Deposit HK$2.24M · loan HK$2.24M · min. income ≈ HK$21,730/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$67,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,374
−HK$615/mo
▼ 0.25% · 3.875%
HK$11,679
−HK$310/mo
Today · 4.125%
HK$11,989
baseline
▲ 0.50% · 4.625%
HK$12,621
+HK$632/mo
Deposit HK$2.24M · loan HK$2.24M · min. income ≈ HK$23,978/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$67,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,269
−HK$769/mo
▼ 0.25% · 3.875%
HK$12,651
−HK$387/mo
Today · 4.125%
HK$13,038
baseline
▲ 0.50% · 4.625%
HK$13,832
+HK$794/mo
Deposit HK$1.79M · loan HK$2.69M · min. income ≈ HK$26,076/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$67,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,649
−HK$737/mo
▼ 0.25% · 3.875%
HK$14,015
−HK$371/mo
Today · 4.125%
HK$14,386
baseline
▲ 0.50% · 4.625%
HK$15,145
+HK$759/mo
Deposit HK$1.79M · loan HK$2.69M · min. income ≈ HK$28,772/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$67,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,314
−HK$897/mo
▼ 0.25% · 3.875%
HK$14,759
−HK$452/mo
Today · 4.125%
HK$15,211
baseline
▲ 0.50% · 4.625%
HK$16,137
+HK$926/mo
Deposit HK$1.35M · loan HK$3.14M · min. income ≈ HK$30,422/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$67,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,924
−HK$860/mo
▼ 0.25% · 3.875%
HK$16,351
−HK$433/mo
Today · 4.125%
HK$16,784
baseline
▲ 0.50% · 4.625%
HK$17,669
+HK$885/mo
Deposit HK$1.35M · loan HK$3.14M · min. income ≈ HK$33,568/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$67,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,403
−HK$1,154/mo
▼ 0.25% · 3.875%
HK$18,976
−HK$581/mo
Today · 4.125%
HK$19,557
baseline
▲ 0.50% · 4.625%
HK$20,747
+HK$1,190/mo
Deposit HK$448K · loan HK$4.04M · min. income ≈ HK$39,114/mo (50% DSR)
Upfront cash ≈ HK$516K (deposit + AVD stamp duty HK$67,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,474
−HK$1,106/mo
▼ 0.25% · 3.875%
HK$21,023
−HK$557/mo
Today · 4.125%
HK$21,580
baseline
▲ 0.50% · 4.625%
HK$22,717
+HK$1,137/mo
Deposit HK$448K · loan HK$4.04M · min. income ≈ HK$43,160/mo (50% DSR)
Upfront cash ≈ HK$516K (deposit + AVD stamp duty HK$67,257 · 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).