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$10,324
−HK$647/mo
▼ 0.25% · 3.875%
HK$10,645
−HK$326/mo
Today · 4.125%
HK$10,971
baseline
▲ 0.50% · 4.625%
HK$11,639
+HK$668/mo
Deposit HK$2.26M · loan HK$2.26M · min. income ≈ HK$21,942/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$70,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,485
−HK$621/mo
▼ 0.25% · 3.875%
HK$11,793
−HK$313/mo
Today · 4.125%
HK$12,106
baseline
▲ 0.50% · 4.625%
HK$12,744
+HK$638/mo
Deposit HK$2.26M · loan HK$2.26M · min. income ≈ HK$24,212/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$70,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,388
−HK$777/mo
▼ 0.25% · 3.875%
HK$12,774
−HK$391/mo
Today · 4.125%
HK$13,165
baseline
▲ 0.50% · 4.625%
HK$13,966
+HK$801/mo
Deposit HK$1.81M · loan HK$2.72M · min. income ≈ HK$26,330/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$70,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,782
−HK$745/mo
▼ 0.25% · 3.875%
HK$14,152
−HK$375/mo
Today · 4.125%
HK$14,527
baseline
▲ 0.50% · 4.625%
HK$15,292
+HK$765/mo
Deposit HK$1.81M · loan HK$2.72M · min. income ≈ HK$29,054/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$70,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,453
−HK$907/mo
▼ 0.25% · 3.875%
HK$14,903
−HK$457/mo
Today · 4.125%
HK$15,360
baseline
▲ 0.50% · 4.625%
HK$16,294
+HK$934/mo
Deposit HK$1.36M · loan HK$3.17M · min. income ≈ HK$30,720/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$70,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,079
−HK$869/mo
▼ 0.25% · 3.875%
HK$16,510
−HK$438/mo
Today · 4.125%
HK$16,948
baseline
▲ 0.50% · 4.625%
HK$17,841
+HK$893/mo
Deposit HK$1.36M · loan HK$3.17M · min. income ≈ HK$33,896/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$70,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,583
−HK$1,165/mo
▼ 0.25% · 3.875%
HK$19,161
−HK$587/mo
Today · 4.125%
HK$19,748
baseline
▲ 0.50% · 4.625%
HK$20,950
+HK$1,202/mo
Deposit HK$453K · loan HK$4.07M · min. income ≈ HK$39,496/mo (50% DSR)
Upfront cash ≈ HK$523K (deposit + AVD stamp duty HK$70,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,673
−HK$1,117/mo
▼ 0.25% · 3.875%
HK$21,227
−HK$563/mo
Today · 4.125%
HK$21,790
baseline
▲ 0.50% · 4.625%
HK$22,939
+HK$1,149/mo
Deposit HK$453K · loan HK$4.07M · min. income ≈ HK$43,580/mo (50% DSR)
Upfront cash ≈ HK$523K (deposit + AVD stamp duty HK$70,244 · 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).