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$10,319
−HK$647/mo
▼ 0.25% · 3.875%
HK$10,640
−HK$326/mo
Today · 4.125%
HK$10,966
baseline
▲ 0.50% · 4.625%
HK$11,634
+HK$668/mo
Deposit HK$2.26M · loan HK$2.26M · min. income ≈ HK$21,932/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$70,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,480
−HK$620/mo
▼ 0.25% · 3.875%
HK$11,788
−HK$312/mo
Today · 4.125%
HK$12,100
baseline
▲ 0.50% · 4.625%
HK$12,738
+HK$638/mo
Deposit HK$2.26M · loan HK$2.26M · min. income ≈ HK$24,200/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$70,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,383
−HK$777/mo
▼ 0.25% · 3.875%
HK$12,768
−HK$392/mo
Today · 4.125%
HK$13,160
baseline
▲ 0.50% · 4.625%
HK$13,960
+HK$800/mo
Deposit HK$1.81M · loan HK$2.72M · min. income ≈ HK$26,320/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$70,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,776
−HK$744/mo
▼ 0.25% · 3.875%
HK$14,146
−HK$374/mo
Today · 4.125%
HK$14,520
baseline
▲ 0.50% · 4.625%
HK$15,286
+HK$766/mo
Deposit HK$1.81M · loan HK$2.72M · min. income ≈ HK$29,040/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$70,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,447
−HK$906/mo
▼ 0.25% · 3.875%
HK$14,896
−HK$457/mo
Today · 4.125%
HK$15,353
baseline
▲ 0.50% · 4.625%
HK$16,287
+HK$934/mo
Deposit HK$1.36M · loan HK$3.17M · min. income ≈ HK$30,706/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$70,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,072
−HK$869/mo
▼ 0.25% · 3.875%
HK$16,503
−HK$438/mo
Today · 4.125%
HK$16,941
baseline
▲ 0.50% · 4.625%
HK$17,833
+HK$892/mo
Deposit HK$1.36M · loan HK$3.17M · min. income ≈ HK$33,882/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$70,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,575
−HK$1,165/mo
▼ 0.25% · 3.875%
HK$19,153
−HK$587/mo
Today · 4.125%
HK$19,740
baseline
▲ 0.50% · 4.625%
HK$20,941
+HK$1,201/mo
Deposit HK$453K · loan HK$4.07M · min. income ≈ HK$39,480/mo (50% DSR)
Upfront cash ≈ HK$523K (deposit + AVD stamp duty HK$70,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,664
−HK$1,117/mo
▼ 0.25% · 3.875%
HK$21,218
−HK$563/mo
Today · 4.125%
HK$21,781
baseline
▲ 0.50% · 4.625%
HK$22,929
+HK$1,148/mo
Deposit HK$453K · loan HK$4.07M · min. income ≈ HK$43,562/mo (50% DSR)
Upfront cash ≈ HK$523K (deposit + AVD stamp duty HK$70,051 · 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).