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$10,422
−HK$653/mo
▼ 0.25% · 3.875%
HK$10,746
−HK$329/mo
Today · 4.125%
HK$11,075
baseline
▲ 0.50% · 4.625%
HK$11,749
+HK$674/mo
Deposit HK$2.29M · loan HK$2.29M · min. income ≈ HK$22,150/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$74,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,594
−HK$627/mo
▼ 0.25% · 3.875%
HK$11,905
−HK$316/mo
Today · 4.125%
HK$12,221
baseline
▲ 0.50% · 4.625%
HK$12,865
+HK$644/mo
Deposit HK$2.29M · loan HK$2.29M · min. income ≈ HK$24,442/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$74,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,506
−HK$784/mo
▼ 0.25% · 3.875%
HK$12,895
−HK$395/mo
Today · 4.125%
HK$13,290
baseline
▲ 0.50% · 4.625%
HK$14,099
+HK$809/mo
Deposit HK$1.83M · loan HK$2.74M · min. income ≈ HK$26,580/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$74,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,913
−HK$752/mo
▼ 0.25% · 3.875%
HK$14,286
−HK$379/mo
Today · 4.125%
HK$14,665
baseline
▲ 0.50% · 4.625%
HK$15,438
+HK$773/mo
Deposit HK$1.83M · loan HK$2.74M · min. income ≈ HK$29,330/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$74,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,591
−HK$915/mo
▼ 0.25% · 3.875%
HK$15,044
−HK$462/mo
Today · 4.125%
HK$15,506
baseline
▲ 0.50% · 4.625%
HK$16,449
+HK$943/mo
Deposit HK$1.37M · loan HK$3.20M · min. income ≈ HK$31,012/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$74,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,232
−HK$877/mo
▼ 0.25% · 3.875%
HK$16,667
−HK$442/mo
Today · 4.125%
HK$17,109
baseline
▲ 0.50% · 4.625%
HK$18,011
+HK$902/mo
Deposit HK$1.37M · loan HK$3.20M · min. income ≈ HK$34,218/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$74,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,759
−HK$1,177/mo
▼ 0.25% · 3.875%
HK$19,343
−HK$593/mo
Today · 4.125%
HK$19,936
baseline
▲ 0.50% · 4.625%
HK$21,149
+HK$1,213/mo
Deposit HK$457K · loan HK$4.11M · min. income ≈ HK$39,872/mo (50% DSR)
Upfront cash ≈ HK$532K (deposit + AVD stamp duty HK$74,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,870
−HK$1,127/mo
▼ 0.25% · 3.875%
HK$21,429
−HK$568/mo
Today · 4.125%
HK$21,997
baseline
▲ 0.50% · 4.625%
HK$23,157
+HK$1,160/mo
Deposit HK$457K · loan HK$4.11M · min. income ≈ HK$43,994/mo (50% DSR)
Upfront cash ≈ HK$532K (deposit + AVD stamp duty HK$74,548 · 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).