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$10,323
−HK$647/mo
▼ 0.25% · 3.875%
HK$10,644
−HK$326/mo
Today · 4.125%
HK$10,970
baseline
▲ 0.50% · 4.625%
HK$11,638
+HK$668/mo
Deposit HK$2.26M · loan HK$2.26M · min. income ≈ HK$21,940/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$70,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,484
−HK$620/mo
▼ 0.25% · 3.875%
HK$11,792
−HK$312/mo
Today · 4.125%
HK$12,104
baseline
▲ 0.50% · 4.625%
HK$12,743
+HK$639/mo
Deposit HK$2.26M · loan HK$2.26M · min. income ≈ HK$24,208/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$70,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,387
−HK$777/mo
▼ 0.25% · 3.875%
HK$12,773
−HK$391/mo
Today · 4.125%
HK$13,164
baseline
▲ 0.50% · 4.625%
HK$13,965
+HK$801/mo
Deposit HK$1.81M · loan HK$2.72M · min. income ≈ HK$26,328/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$70,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,781
−HK$744/mo
▼ 0.25% · 3.875%
HK$14,150
−HK$375/mo
Today · 4.125%
HK$14,525
baseline
▲ 0.50% · 4.625%
HK$15,291
+HK$766/mo
Deposit HK$1.81M · loan HK$2.72M · min. income ≈ HK$29,050/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$70,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,452
−HK$906/mo
▼ 0.25% · 3.875%
HK$14,901
−HK$457/mo
Today · 4.125%
HK$15,358
baseline
▲ 0.50% · 4.625%
HK$16,293
+HK$935/mo
Deposit HK$1.36M · loan HK$3.17M · min. income ≈ HK$30,716/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$70,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,078
−HK$868/mo
▼ 0.25% · 3.875%
HK$16,509
−HK$437/mo
Today · 4.125%
HK$16,946
baseline
▲ 0.50% · 4.625%
HK$17,840
+HK$894/mo
Deposit HK$1.36M · loan HK$3.17M · min. income ≈ HK$33,892/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$70,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,581
−HK$1,165/mo
▼ 0.25% · 3.875%
HK$19,159
−HK$587/mo
Today · 4.125%
HK$19,746
baseline
▲ 0.50% · 4.625%
HK$20,948
+HK$1,202/mo
Deposit HK$453K · loan HK$4.07M · min. income ≈ HK$39,492/mo (50% DSR)
Upfront cash ≈ HK$523K (deposit + AVD stamp duty HK$70,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,671
−HK$1,117/mo
▼ 0.25% · 3.875%
HK$21,226
−HK$562/mo
Today · 4.125%
HK$21,788
baseline
▲ 0.50% · 4.625%
HK$22,937
+HK$1,149/mo
Deposit HK$453K · loan HK$4.07M · min. income ≈ HK$43,576/mo (50% DSR)
Upfront cash ≈ HK$523K (deposit + AVD stamp duty HK$70,204 · 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).