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$10,391
−HK$651/mo
▼ 0.25% · 3.875%
HK$10,714
−HK$328/mo
Today · 4.125%
HK$11,042
baseline
▲ 0.50% · 4.625%
HK$11,714
+HK$672/mo
Deposit HK$2.28M · loan HK$2.28M · min. income ≈ HK$22,084/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$73,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,560
−HK$624/mo
▼ 0.25% · 3.875%
HK$11,870
−HK$314/mo
Today · 4.125%
HK$12,184
baseline
▲ 0.50% · 4.625%
HK$12,826
+HK$642/mo
Deposit HK$2.28M · loan HK$2.28M · min. income ≈ HK$24,368/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$73,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,469
−HK$782/mo
▼ 0.25% · 3.875%
HK$12,857
−HK$394/mo
Today · 4.125%
HK$13,251
baseline
▲ 0.50% · 4.625%
HK$14,057
+HK$806/mo
Deposit HK$1.82M · loan HK$2.73M · min. income ≈ HK$26,502/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$73,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,871
−HK$750/mo
▼ 0.25% · 3.875%
HK$14,243
−HK$378/mo
Today · 4.125%
HK$14,621
baseline
▲ 0.50% · 4.625%
HK$15,392
+HK$771/mo
Deposit HK$1.82M · loan HK$2.73M · min. income ≈ HK$29,242/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$73,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,547
−HK$912/mo
▼ 0.25% · 3.875%
HK$14,999
−HK$460/mo
Today · 4.125%
HK$15,459
baseline
▲ 0.50% · 4.625%
HK$16,400
+HK$941/mo
Deposit HK$1.37M · loan HK$3.19M · min. income ≈ HK$30,918/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$73,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,183
−HK$875/mo
▼ 0.25% · 3.875%
HK$16,617
−HK$441/mo
Today · 4.125%
HK$17,058
baseline
▲ 0.50% · 4.625%
HK$17,957
+HK$899/mo
Deposit HK$1.37M · loan HK$3.19M · min. income ≈ HK$34,116/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$73,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,703
−HK$1,173/mo
▼ 0.25% · 3.875%
HK$19,285
−HK$591/mo
Today · 4.125%
HK$19,876
baseline
▲ 0.50% · 4.625%
HK$21,085
+HK$1,209/mo
Deposit HK$456K · loan HK$4.10M · min. income ≈ HK$39,752/mo (50% DSR)
Upfront cash ≈ HK$529K (deposit + AVD stamp duty HK$73,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,807
−HK$1,124/mo
▼ 0.25% · 3.875%
HK$21,365
−HK$566/mo
Today · 4.125%
HK$21,931
baseline
▲ 0.50% · 4.625%
HK$23,087
+HK$1,156/mo
Deposit HK$456K · loan HK$4.10M · min. income ≈ HK$43,862/mo (50% DSR)
Upfront cash ≈ HK$529K (deposit + AVD stamp duty HK$73,180 · 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).