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$10,187
−HK$639/mo
▼ 0.25% · 3.875%
HK$10,504
−HK$322/mo
Today · 4.125%
HK$10,826
baseline
▲ 0.50% · 4.625%
HK$11,484
+HK$658/mo
Deposit HK$2.23M · loan HK$2.23M · min. income ≈ HK$21,652/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$67,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,333
−HK$612/mo
▼ 0.25% · 3.875%
HK$11,637
−HK$308/mo
Today · 4.125%
HK$11,945
baseline
▲ 0.50% · 4.625%
HK$12,575
+HK$630/mo
Deposit HK$2.23M · loan HK$2.23M · min. income ≈ HK$23,890/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$67,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,224
−HK$767/mo
▼ 0.25% · 3.875%
HK$12,604
−HK$387/mo
Today · 4.125%
HK$12,991
baseline
▲ 0.50% · 4.625%
HK$13,781
+HK$790/mo
Deposit HK$1.79M · loan HK$2.68M · min. income ≈ HK$25,982/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$67,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,599
−HK$735/mo
▼ 0.25% · 3.875%
HK$13,964
−HK$370/mo
Today · 4.125%
HK$14,334
baseline
▲ 0.50% · 4.625%
HK$15,089
+HK$755/mo
Deposit HK$1.79M · loan HK$2.68M · min. income ≈ HK$28,668/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$67,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,261
−HK$895/mo
▼ 0.25% · 3.875%
HK$14,705
−HK$451/mo
Today · 4.125%
HK$15,156
baseline
▲ 0.50% · 4.625%
HK$16,078
+HK$922/mo
Deposit HK$1.34M · loan HK$3.13M · min. income ≈ HK$30,312/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$67,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,866
−HK$857/mo
▼ 0.25% · 3.875%
HK$16,291
−HK$432/mo
Today · 4.125%
HK$16,723
baseline
▲ 0.50% · 4.625%
HK$17,604
+HK$881/mo
Deposit HK$1.34M · loan HK$3.13M · min. income ≈ HK$33,446/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$67,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,336
−HK$1,150/mo
▼ 0.25% · 3.875%
HK$18,906
−HK$580/mo
Today · 4.125%
HK$19,486
baseline
▲ 0.50% · 4.625%
HK$20,672
+HK$1,186/mo
Deposit HK$447K · loan HK$4.02M · min. income ≈ HK$38,972/mo (50% DSR)
Upfront cash ≈ HK$514K (deposit + AVD stamp duty HK$67,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,399
−HK$1,102/mo
▼ 0.25% · 3.875%
HK$20,946
−HK$555/mo
Today · 4.125%
HK$21,501
baseline
▲ 0.50% · 4.625%
HK$22,634
+HK$1,133/mo
Deposit HK$447K · loan HK$4.02M · min. income ≈ HK$43,002/mo (50% DSR)
Upfront cash ≈ HK$514K (deposit + AVD stamp duty HK$67,011 · 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).