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$10,176
−HK$638/mo
▼ 0.25% · 3.875%
HK$10,492
−HK$322/mo
Today · 4.125%
HK$10,814
baseline
▲ 0.50% · 4.625%
HK$11,472
+HK$658/mo
Deposit HK$2.23M · loan HK$2.23M · min. income ≈ HK$21,628/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$66,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,321
−HK$611/mo
▼ 0.25% · 3.875%
HK$11,624
−HK$308/mo
Today · 4.125%
HK$11,932
baseline
▲ 0.50% · 4.625%
HK$12,561
+HK$629/mo
Deposit HK$2.23M · loan HK$2.23M · min. income ≈ HK$23,864/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$66,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,211
−HK$766/mo
▼ 0.25% · 3.875%
HK$12,591
−HK$386/mo
Today · 4.125%
HK$12,977
baseline
▲ 0.50% · 4.625%
HK$13,766
+HK$789/mo
Deposit HK$1.79M · loan HK$2.68M · min. income ≈ HK$25,954/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$66,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,585
−HK$734/mo
▼ 0.25% · 3.875%
HK$13,949
−HK$370/mo
Today · 4.125%
HK$14,319
baseline
▲ 0.50% · 4.625%
HK$15,073
+HK$754/mo
Deposit HK$1.79M · loan HK$2.68M · min. income ≈ HK$28,638/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$66,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,246
−HK$894/mo
▼ 0.25% · 3.875%
HK$14,689
−HK$451/mo
Today · 4.125%
HK$15,140
baseline
▲ 0.50% · 4.625%
HK$16,061
+HK$921/mo
Deposit HK$1.34M · loan HK$3.12M · min. income ≈ HK$30,280/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$66,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,849
−HK$856/mo
▼ 0.25% · 3.875%
HK$16,274
−HK$431/mo
Today · 4.125%
HK$16,705
baseline
▲ 0.50% · 4.625%
HK$17,586
+HK$881/mo
Deposit HK$1.34M · loan HK$3.12M · min. income ≈ HK$33,410/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$66,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,317
−HK$1,148/mo
▼ 0.25% · 3.875%
HK$18,886
−HK$579/mo
Today · 4.125%
HK$19,465
baseline
▲ 0.50% · 4.625%
HK$20,650
+HK$1,185/mo
Deposit HK$446K · loan HK$4.02M · min. income ≈ HK$38,930/mo (50% DSR)
Upfront cash ≈ HK$513K (deposit + AVD stamp duty HK$66,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,377
−HK$1,101/mo
▼ 0.25% · 3.875%
HK$20,923
−HK$555/mo
Today · 4.125%
HK$21,478
baseline
▲ 0.50% · 4.625%
HK$22,610
+HK$1,132/mo
Deposit HK$446K · loan HK$4.02M · min. income ≈ HK$42,956/mo (50% DSR)
Upfront cash ≈ HK$513K (deposit + AVD stamp duty HK$66,939 · 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).