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$10,424
−HK$653/mo
▼ 0.25% · 3.875%
HK$10,748
−HK$329/mo
Today · 4.125%
HK$11,077
baseline
▲ 0.50% · 4.625%
HK$11,751
+HK$674/mo
Deposit HK$2.29M · loan HK$2.29M · min. income ≈ HK$22,154/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$74,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,596
−HK$627/mo
▼ 0.25% · 3.875%
HK$11,907
−HK$316/mo
Today · 4.125%
HK$12,223
baseline
▲ 0.50% · 4.625%
HK$12,867
+HK$644/mo
Deposit HK$2.29M · loan HK$2.29M · min. income ≈ HK$24,446/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$74,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,508
−HK$785/mo
▼ 0.25% · 3.875%
HK$12,897
−HK$396/mo
Today · 4.125%
HK$13,293
baseline
▲ 0.50% · 4.625%
HK$14,102
+HK$809/mo
Deposit HK$1.83M · loan HK$2.74M · min. income ≈ HK$26,586/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$74,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,915
−HK$752/mo
▼ 0.25% · 3.875%
HK$14,289
−HK$378/mo
Today · 4.125%
HK$14,667
baseline
▲ 0.50% · 4.625%
HK$15,440
+HK$773/mo
Deposit HK$1.83M · loan HK$2.74M · min. income ≈ HK$29,334/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$74,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,593
−HK$915/mo
▼ 0.25% · 3.875%
HK$15,047
−HK$461/mo
Today · 4.125%
HK$15,508
baseline
▲ 0.50% · 4.625%
HK$16,452
+HK$944/mo
Deposit HK$1.37M · loan HK$3.20M · min. income ≈ HK$31,016/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$74,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,235
−HK$877/mo
▼ 0.25% · 3.875%
HK$16,670
−HK$442/mo
Today · 4.125%
HK$17,112
baseline
▲ 0.50% · 4.625%
HK$18,014
+HK$902/mo
Deposit HK$1.37M · loan HK$3.20M · min. income ≈ HK$34,224/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$74,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,762
−HK$1,177/mo
▼ 0.25% · 3.875%
HK$19,346
−HK$593/mo
Today · 4.125%
HK$19,939
baseline
▲ 0.50% · 4.625%
HK$21,152
+HK$1,213/mo
Deposit HK$457K · loan HK$4.11M · min. income ≈ HK$39,878/mo (50% DSR)
Upfront cash ≈ HK$532K (deposit + AVD stamp duty HK$74,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,873
−HK$1,128/mo
▼ 0.25% · 3.875%
HK$21,433
−HK$568/mo
Today · 4.125%
HK$22,001
baseline
▲ 0.50% · 4.625%
HK$23,160
+HK$1,159/mo
Deposit HK$457K · loan HK$4.11M · min. income ≈ HK$44,002/mo (50% DSR)
Upfront cash ≈ HK$532K (deposit + AVD stamp duty HK$74,624 · 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).