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$10,229
−HK$642/mo
▼ 0.25% · 3.875%
HK$10,547
−HK$324/mo
Today · 4.125%
HK$10,871
baseline
▲ 0.50% · 4.625%
HK$11,532
+HK$661/mo
Deposit HK$2.24M · loan HK$2.24M · min. income ≈ HK$21,742/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$67,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,380
−HK$615/mo
▼ 0.25% · 3.875%
HK$11,685
−HK$310/mo
Today · 4.125%
HK$11,995
baseline
▲ 0.50% · 4.625%
HK$12,627
+HK$632/mo
Deposit HK$2.24M · loan HK$2.24M · min. income ≈ HK$23,990/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$67,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,275
−HK$770/mo
▼ 0.25% · 3.875%
HK$12,657
−HK$388/mo
Today · 4.125%
HK$13,045
baseline
▲ 0.50% · 4.625%
HK$13,838
+HK$793/mo
Deposit HK$1.79M · loan HK$2.69M · min. income ≈ HK$26,090/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$67,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,656
−HK$737/mo
▼ 0.25% · 3.875%
HK$14,022
−HK$371/mo
Today · 4.125%
HK$14,393
baseline
▲ 0.50% · 4.625%
HK$15,152
+HK$759/mo
Deposit HK$1.79M · loan HK$2.69M · min. income ≈ HK$28,786/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$67,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,321
−HK$898/mo
▼ 0.25% · 3.875%
HK$14,766
−HK$453/mo
Today · 4.125%
HK$15,219
baseline
▲ 0.50% · 4.625%
HK$16,145
+HK$926/mo
Deposit HK$1.35M · loan HK$3.14M · min. income ≈ HK$30,438/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$67,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,932
−HK$860/mo
▼ 0.25% · 3.875%
HK$16,359
−HK$433/mo
Today · 4.125%
HK$16,792
baseline
▲ 0.50% · 4.625%
HK$17,678
+HK$886/mo
Deposit HK$1.35M · loan HK$3.14M · min. income ≈ HK$33,584/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$67,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,412
−HK$1,155/mo
▼ 0.25% · 3.875%
HK$18,985
−HK$582/mo
Today · 4.125%
HK$19,567
baseline
▲ 0.50% · 4.625%
HK$20,758
+HK$1,191/mo
Deposit HK$449K · loan HK$4.04M · min. income ≈ HK$39,134/mo (50% DSR)
Upfront cash ≈ HK$516K (deposit + AVD stamp duty HK$67,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,484
−HK$1,106/mo
▼ 0.25% · 3.875%
HK$21,033
−HK$557/mo
Today · 4.125%
HK$21,590
baseline
▲ 0.50% · 4.625%
HK$22,728
+HK$1,138/mo
Deposit HK$449K · loan HK$4.04M · min. income ≈ HK$43,180/mo (50% DSR)
Upfront cash ≈ HK$516K (deposit + AVD stamp duty HK$67,289 · 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).