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$10,409
−HK$653/mo
▼ 0.25% · 3.875%
HK$10,733
−HK$329/mo
Today · 4.125%
HK$11,062
baseline
▲ 0.50% · 4.625%
HK$11,735
+HK$673/mo
Deposit HK$2.28M · loan HK$2.28M · min. income ≈ HK$22,124/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$73,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,580
−HK$626/mo
▼ 0.25% · 3.875%
HK$11,891
−HK$315/mo
Today · 4.125%
HK$12,206
baseline
▲ 0.50% · 4.625%
HK$12,849
+HK$643/mo
Deposit HK$2.28M · loan HK$2.28M · min. income ≈ HK$24,412/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$73,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,491
−HK$783/mo
▼ 0.25% · 3.875%
HK$12,880
−HK$394/mo
Today · 4.125%
HK$13,274
baseline
▲ 0.50% · 4.625%
HK$14,082
+HK$808/mo
Deposit HK$1.83M · loan HK$2.74M · min. income ≈ HK$26,548/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$73,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,896
−HK$751/mo
▼ 0.25% · 3.875%
HK$14,269
−HK$378/mo
Today · 4.125%
HK$14,647
baseline
▲ 0.50% · 4.625%
HK$15,419
+HK$772/mo
Deposit HK$1.83M · loan HK$2.74M · min. income ≈ HK$29,294/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$73,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,573
−HK$914/mo
▼ 0.25% · 3.875%
HK$15,026
−HK$461/mo
Today · 4.125%
HK$15,487
baseline
▲ 0.50% · 4.625%
HK$16,429
+HK$942/mo
Deposit HK$1.37M · loan HK$3.20M · min. income ≈ HK$30,974/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$73,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,212
−HK$876/mo
▼ 0.25% · 3.875%
HK$16,647
−HK$441/mo
Today · 4.125%
HK$17,088
baseline
▲ 0.50% · 4.625%
HK$17,989
+HK$901/mo
Deposit HK$1.37M · loan HK$3.20M · min. income ≈ HK$34,176/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$73,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,737
−HK$1,175/mo
▼ 0.25% · 3.875%
HK$19,319
−HK$593/mo
Today · 4.125%
HK$19,912
baseline
▲ 0.50% · 4.625%
HK$21,123
+HK$1,211/mo
Deposit HK$456K · loan HK$4.11M · min. income ≈ HK$39,824/mo (50% DSR)
Upfront cash ≈ HK$530K (deposit + AVD stamp duty HK$73,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,844
−HK$1,126/mo
▼ 0.25% · 3.875%
HK$21,403
−HK$567/mo
Today · 4.125%
HK$21,970
baseline
▲ 0.50% · 4.625%
HK$23,128
+HK$1,158/mo
Deposit HK$456K · loan HK$4.11M · min. income ≈ HK$43,940/mo (50% DSR)
Upfront cash ≈ HK$530K (deposit + AVD stamp duty HK$73,993 · 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).