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$10,418
−HK$653/mo
▼ 0.25% · 3.875%
HK$10,742
−HK$329/mo
Today · 4.125%
HK$11,071
baseline
▲ 0.50% · 4.625%
HK$11,745
+HK$674/mo
Deposit HK$2.28M · loan HK$2.28M · min. income ≈ HK$22,142/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$74,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,590
−HK$626/mo
▼ 0.25% · 3.875%
HK$11,901
−HK$315/mo
Today · 4.125%
HK$12,216
baseline
▲ 0.50% · 4.625%
HK$12,860
+HK$644/mo
Deposit HK$2.28M · loan HK$2.28M · min. income ≈ HK$24,432/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$74,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,502
−HK$784/mo
▼ 0.25% · 3.875%
HK$12,891
−HK$395/mo
Today · 4.125%
HK$13,286
baseline
▲ 0.50% · 4.625%
HK$14,094
+HK$808/mo
Deposit HK$1.83M · loan HK$2.74M · min. income ≈ HK$26,572/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$74,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,908
−HK$751/mo
▼ 0.25% · 3.875%
HK$14,281
−HK$378/mo
Today · 4.125%
HK$14,659
baseline
▲ 0.50% · 4.625%
HK$15,432
+HK$773/mo
Deposit HK$1.83M · loan HK$2.74M · min. income ≈ HK$29,318/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$74,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,585
−HK$915/mo
▼ 0.25% · 3.875%
HK$15,039
−HK$461/mo
Today · 4.125%
HK$15,500
baseline
▲ 0.50% · 4.625%
HK$16,443
+HK$943/mo
Deposit HK$1.37M · loan HK$3.20M · min. income ≈ HK$31,000/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$74,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,226
−HK$877/mo
▼ 0.25% · 3.875%
HK$16,661
−HK$442/mo
Today · 4.125%
HK$17,103
baseline
▲ 0.50% · 4.625%
HK$18,004
+HK$901/mo
Deposit HK$1.37M · loan HK$3.20M · min. income ≈ HK$34,206/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$74,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,753
−HK$1,176/mo
▼ 0.25% · 3.875%
HK$19,336
−HK$593/mo
Today · 4.125%
HK$19,929
baseline
▲ 0.50% · 4.625%
HK$21,141
+HK$1,212/mo
Deposit HK$457K · loan HK$4.11M · min. income ≈ HK$39,858/mo (50% DSR)
Upfront cash ≈ HK$531K (deposit + AVD stamp duty HK$74,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,862
−HK$1,127/mo
▼ 0.25% · 3.875%
HK$21,422
−HK$567/mo
Today · 4.125%
HK$21,989
baseline
▲ 0.50% · 4.625%
HK$23,148
+HK$1,159/mo
Deposit HK$457K · loan HK$4.11M · min. income ≈ HK$43,978/mo (50% DSR)
Upfront cash ≈ HK$531K (deposit + AVD stamp duty HK$74,384 · 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).