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$10,216
−HK$641/mo
▼ 0.25% · 3.875%
HK$10,534
−HK$323/mo
Today · 4.125%
HK$10,857
baseline
▲ 0.50% · 4.625%
HK$11,518
+HK$661/mo
Deposit HK$2.24M · loan HK$2.24M · min. income ≈ HK$21,714/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$67,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,365
−HK$615/mo
▼ 0.25% · 3.875%
HK$11,670
−HK$310/mo
Today · 4.125%
HK$11,980
baseline
▲ 0.50% · 4.625%
HK$12,611
+HK$631/mo
Deposit HK$2.24M · loan HK$2.24M · min. income ≈ HK$23,960/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$67,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,260
−HK$768/mo
▼ 0.25% · 3.875%
HK$12,641
−HK$387/mo
Today · 4.125%
HK$13,028
baseline
▲ 0.50% · 4.625%
HK$13,821
+HK$793/mo
Deposit HK$1.79M · loan HK$2.69M · min. income ≈ HK$26,056/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$67,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,639
−HK$736/mo
▼ 0.25% · 3.875%
HK$14,004
−HK$371/mo
Today · 4.125%
HK$14,375
baseline
▲ 0.50% · 4.625%
HK$15,133
+HK$758/mo
Deposit HK$1.79M · loan HK$2.69M · min. income ≈ HK$28,750/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$67,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,303
−HK$897/mo
▼ 0.25% · 3.875%
HK$14,748
−HK$452/mo
Today · 4.125%
HK$15,200
baseline
▲ 0.50% · 4.625%
HK$16,125
+HK$925/mo
Deposit HK$1.34M · loan HK$3.14M · min. income ≈ HK$30,400/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$67,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,912
−HK$859/mo
▼ 0.25% · 3.875%
HK$16,338
−HK$433/mo
Today · 4.125%
HK$16,771
baseline
▲ 0.50% · 4.625%
HK$17,655
+HK$884/mo
Deposit HK$1.34M · loan HK$3.14M · min. income ≈ HK$33,542/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$67,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,389
−HK$1,153/mo
▼ 0.25% · 3.875%
HK$18,961
−HK$581/mo
Today · 4.125%
HK$19,542
baseline
▲ 0.50% · 4.625%
HK$20,732
+HK$1,190/mo
Deposit HK$448K · loan HK$4.03M · min. income ≈ HK$39,084/mo (50% DSR)
Upfront cash ≈ HK$515K (deposit + AVD stamp duty HK$67,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,458
−HK$1,105/mo
▼ 0.25% · 3.875%
HK$21,007
−HK$556/mo
Today · 4.125%
HK$21,563
baseline
▲ 0.50% · 4.625%
HK$22,700
+HK$1,137/mo
Deposit HK$448K · loan HK$4.03M · min. income ≈ HK$43,126/mo (50% DSR)
Upfront cash ≈ HK$515K (deposit + AVD stamp duty HK$67,205 · 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).