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$10,342
−HK$649/mo
▼ 0.25% · 3.875%
HK$10,664
−HK$327/mo
Today · 4.125%
HK$10,991
baseline
▲ 0.50% · 4.625%
HK$11,660
+HK$669/mo
Deposit HK$2.27M · loan HK$2.27M · min. income ≈ HK$21,982/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$71,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,506
−HK$621/mo
▼ 0.25% · 3.875%
HK$11,814
−HK$313/mo
Today · 4.125%
HK$12,127
baseline
▲ 0.50% · 4.625%
HK$12,767
+HK$640/mo
Deposit HK$2.27M · loan HK$2.27M · min. income ≈ HK$24,254/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$71,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,411
−HK$778/mo
▼ 0.25% · 3.875%
HK$12,797
−HK$392/mo
Today · 4.125%
HK$13,189
baseline
▲ 0.50% · 4.625%
HK$13,992
+HK$803/mo
Deposit HK$1.81M · loan HK$2.72M · min. income ≈ HK$26,378/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$71,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,807
−HK$746/mo
▼ 0.25% · 3.875%
HK$14,177
−HK$376/mo
Today · 4.125%
HK$14,553
baseline
▲ 0.50% · 4.625%
HK$15,320
+HK$767/mo
Deposit HK$1.81M · loan HK$2.72M · min. income ≈ HK$29,106/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$71,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,479
−HK$908/mo
▼ 0.25% · 3.875%
HK$14,930
−HK$457/mo
Today · 4.125%
HK$15,387
baseline
▲ 0.50% · 4.625%
HK$16,324
+HK$937/mo
Deposit HK$1.36M · loan HK$3.17M · min. income ≈ HK$30,774/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$71,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,108
−HK$870/mo
▼ 0.25% · 3.875%
HK$16,540
−HK$438/mo
Today · 4.125%
HK$16,978
baseline
▲ 0.50% · 4.625%
HK$17,873
+HK$895/mo
Deposit HK$1.36M · loan HK$3.17M · min. income ≈ HK$33,956/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$71,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,616
−HK$1,168/mo
▼ 0.25% · 3.875%
HK$19,195
−HK$589/mo
Today · 4.125%
HK$19,784
baseline
▲ 0.50% · 4.625%
HK$20,987
+HK$1,203/mo
Deposit HK$454K · loan HK$4.08M · min. income ≈ HK$39,568/mo (50% DSR)
Upfront cash ≈ HK$525K (deposit + AVD stamp duty HK$71,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,710
−HK$1,119/mo
▼ 0.25% · 3.875%
HK$21,266
−HK$563/mo
Today · 4.125%
HK$21,829
baseline
▲ 0.50% · 4.625%
HK$22,980
+HK$1,151/mo
Deposit HK$454K · loan HK$4.08M · min. income ≈ HK$43,658/mo (50% DSR)
Upfront cash ≈ HK$525K (deposit + AVD stamp duty HK$71,061 · 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).