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$10,376
−HK$650/mo
▼ 0.25% · 3.875%
HK$10,698
−HK$328/mo
Today · 4.125%
HK$11,026
baseline
▲ 0.50% · 4.625%
HK$11,697
+HK$671/mo
Deposit HK$2.28M · loan HK$2.28M · min. income ≈ HK$22,052/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$72,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,543
−HK$623/mo
▼ 0.25% · 3.875%
HK$11,852
−HK$314/mo
Today · 4.125%
HK$12,166
baseline
▲ 0.50% · 4.625%
HK$12,808
+HK$642/mo
Deposit HK$2.28M · loan HK$2.28M · min. income ≈ HK$24,332/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$72,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,451
−HK$780/mo
▼ 0.25% · 3.875%
HK$12,838
−HK$393/mo
Today · 4.125%
HK$13,231
baseline
▲ 0.50% · 4.625%
HK$14,037
+HK$806/mo
Deposit HK$1.82M · loan HK$2.73M · min. income ≈ HK$26,462/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$72,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,851
−HK$749/mo
▼ 0.25% · 3.875%
HK$14,223
−HK$377/mo
Today · 4.125%
HK$14,600
baseline
▲ 0.50% · 4.625%
HK$15,369
+HK$769/mo
Deposit HK$1.82M · loan HK$2.73M · min. income ≈ HK$29,200/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$72,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,526
−HK$911/mo
▼ 0.25% · 3.875%
HK$14,978
−HK$459/mo
Today · 4.125%
HK$15,437
baseline
▲ 0.50% · 4.625%
HK$16,376
+HK$939/mo
Deposit HK$1.37M · loan HK$3.19M · min. income ≈ HK$30,874/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$72,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,160
−HK$873/mo
▼ 0.25% · 3.875%
HK$16,593
−HK$440/mo
Today · 4.125%
HK$17,033
baseline
▲ 0.50% · 4.625%
HK$17,931
+HK$898/mo
Deposit HK$1.37M · loan HK$3.19M · min. income ≈ HK$34,066/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$72,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,676
−HK$1,171/mo
▼ 0.25% · 3.875%
HK$19,257
−HK$590/mo
Today · 4.125%
HK$19,847
baseline
▲ 0.50% · 4.625%
HK$21,055
+HK$1,208/mo
Deposit HK$455K · loan HK$4.10M · min. income ≈ HK$39,694/mo (50% DSR)
Upfront cash ≈ HK$528K (deposit + AVD stamp duty HK$72,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,777
−HK$1,122/mo
▼ 0.25% · 3.875%
HK$21,334
−HK$565/mo
Today · 4.125%
HK$21,899
baseline
▲ 0.50% · 4.625%
HK$23,054
+HK$1,155/mo
Deposit HK$455K · loan HK$4.10M · min. income ≈ HK$43,798/mo (50% DSR)
Upfront cash ≈ HK$528K (deposit + AVD stamp duty HK$72,518 · 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).