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$10,223
−HK$642/mo
▼ 0.25% · 3.875%
HK$10,541
−HK$324/mo
Today · 4.125%
HK$10,865
baseline
▲ 0.50% · 4.625%
HK$11,526
+HK$661/mo
Deposit HK$2.24M · loan HK$2.24M · min. income ≈ HK$21,730/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$67,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,373
−HK$615/mo
▼ 0.25% · 3.875%
HK$11,679
−HK$309/mo
Today · 4.125%
HK$11,988
baseline
▲ 0.50% · 4.625%
HK$12,620
+HK$632/mo
Deposit HK$2.24M · loan HK$2.24M · min. income ≈ HK$23,976/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$67,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,268
−HK$769/mo
▼ 0.25% · 3.875%
HK$12,650
−HK$387/mo
Today · 4.125%
HK$13,037
baseline
▲ 0.50% · 4.625%
HK$13,831
+HK$794/mo
Deposit HK$1.79M · loan HK$2.69M · min. income ≈ HK$26,074/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$67,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,648
−HK$738/mo
▼ 0.25% · 3.875%
HK$14,014
−HK$372/mo
Today · 4.125%
HK$14,386
baseline
▲ 0.50% · 4.625%
HK$15,144
+HK$758/mo
Deposit HK$1.79M · loan HK$2.69M · min. income ≈ HK$28,772/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$67,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,313
−HK$897/mo
▼ 0.25% · 3.875%
HK$14,758
−HK$452/mo
Today · 4.125%
HK$15,210
baseline
▲ 0.50% · 4.625%
HK$16,136
+HK$926/mo
Deposit HK$1.35M · loan HK$3.14M · min. income ≈ HK$30,420/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$67,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,923
−HK$860/mo
▼ 0.25% · 3.875%
HK$16,350
−HK$433/mo
Today · 4.125%
HK$16,783
baseline
▲ 0.50% · 4.625%
HK$17,668
+HK$885/mo
Deposit HK$1.35M · loan HK$3.14M · min. income ≈ HK$33,566/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$67,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,402
−HK$1,154/mo
▼ 0.25% · 3.875%
HK$18,975
−HK$581/mo
Today · 4.125%
HK$19,556
baseline
▲ 0.50% · 4.625%
HK$20,746
+HK$1,190/mo
Deposit HK$448K · loan HK$4.04M · min. income ≈ HK$39,112/mo (50% DSR)
Upfront cash ≈ HK$516K (deposit + AVD stamp duty HK$67,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,472
−HK$1,106/mo
▼ 0.25% · 3.875%
HK$21,021
−HK$557/mo
Today · 4.125%
HK$21,578
baseline
▲ 0.50% · 4.625%
HK$22,716
+HK$1,138/mo
Deposit HK$448K · loan HK$4.04M · min. income ≈ HK$43,156/mo (50% DSR)
Upfront cash ≈ HK$516K (deposit + AVD stamp duty HK$67,252 · 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).