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$10,236
−HK$642/mo
▼ 0.25% · 3.875%
HK$10,554
−HK$324/mo
Today · 4.125%
HK$10,878
baseline
▲ 0.50% · 4.625%
HK$11,540
+HK$662/mo
Deposit HK$2.24M · loan HK$2.24M · min. income ≈ HK$21,756/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$67,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,387
−HK$616/mo
▼ 0.25% · 3.875%
HK$11,693
−HK$310/mo
Today · 4.125%
HK$12,003
baseline
▲ 0.50% · 4.625%
HK$12,635
+HK$632/mo
Deposit HK$2.24M · loan HK$2.24M · min. income ≈ HK$24,006/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$67,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,283
−HK$771/mo
▼ 0.25% · 3.875%
HK$12,665
−HK$389/mo
Today · 4.125%
HK$13,054
baseline
▲ 0.50% · 4.625%
HK$13,848
+HK$794/mo
Deposit HK$1.80M · loan HK$2.69M · min. income ≈ HK$26,108/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$67,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,665
−HK$738/mo
▼ 0.25% · 3.875%
HK$14,031
−HK$372/mo
Today · 4.125%
HK$14,403
baseline
▲ 0.50% · 4.625%
HK$15,162
+HK$759/mo
Deposit HK$1.80M · loan HK$2.69M · min. income ≈ HK$28,806/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$67,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,330
−HK$899/mo
▼ 0.25% · 3.875%
HK$14,776
−HK$453/mo
Today · 4.125%
HK$15,229
baseline
▲ 0.50% · 4.625%
HK$16,156
+HK$927/mo
Deposit HK$1.35M · loan HK$3.14M · min. income ≈ HK$30,458/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$67,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,942
−HK$862/mo
▼ 0.25% · 3.875%
HK$16,370
−HK$434/mo
Today · 4.125%
HK$16,804
baseline
▲ 0.50% · 4.625%
HK$17,690
+HK$886/mo
Deposit HK$1.35M · loan HK$3.14M · min. income ≈ HK$33,608/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$67,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,425
−HK$1,155/mo
▼ 0.25% · 3.875%
HK$18,998
−HK$582/mo
Today · 4.125%
HK$19,580
baseline
▲ 0.50% · 4.625%
HK$20,772
+HK$1,192/mo
Deposit HK$449K · loan HK$4.04M · min. income ≈ HK$39,160/mo (50% DSR)
Upfront cash ≈ HK$516K (deposit + AVD stamp duty HK$67,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,497
−HK$1,108/mo
▼ 0.25% · 3.875%
HK$21,047
−HK$558/mo
Today · 4.125%
HK$21,605
baseline
▲ 0.50% · 4.625%
HK$22,744
+HK$1,139/mo
Deposit HK$449K · loan HK$4.04M · min. income ≈ HK$43,210/mo (50% DSR)
Upfront cash ≈ HK$516K (deposit + AVD stamp duty HK$67,335 · 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).