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$10,359
−HK$649/mo
▼ 0.25% · 3.875%
HK$10,681
−HK$327/mo
Today · 4.125%
HK$11,008
baseline
▲ 0.50% · 4.625%
HK$11,678
+HK$670/mo
Deposit HK$2.27M · loan HK$2.27M · min. income ≈ HK$22,016/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$71,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,524
−HK$623/mo
▼ 0.25% · 3.875%
HK$11,833
−HK$314/mo
Today · 4.125%
HK$12,147
baseline
▲ 0.50% · 4.625%
HK$12,787
+HK$640/mo
Deposit HK$2.27M · loan HK$2.27M · min. income ≈ HK$24,294/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$71,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,430
−HK$780/mo
▼ 0.25% · 3.875%
HK$12,817
−HK$393/mo
Today · 4.125%
HK$13,210
baseline
▲ 0.50% · 4.625%
HK$14,014
+HK$804/mo
Deposit HK$1.82M · loan HK$2.73M · min. income ≈ HK$26,420/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$71,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,829
−HK$747/mo
▼ 0.25% · 3.875%
HK$14,200
−HK$376/mo
Today · 4.125%
HK$14,576
baseline
▲ 0.50% · 4.625%
HK$15,344
+HK$768/mo
Deposit HK$1.82M · loan HK$2.73M · min. income ≈ HK$29,152/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$71,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,502
−HK$910/mo
▼ 0.25% · 3.875%
HK$14,953
−HK$459/mo
Today · 4.125%
HK$15,412
baseline
▲ 0.50% · 4.625%
HK$16,349
+HK$937/mo
Deposit HK$1.36M · loan HK$3.18M · min. income ≈ HK$30,824/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$71,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,134
−HK$871/mo
▼ 0.25% · 3.875%
HK$16,566
−HK$439/mo
Today · 4.125%
HK$17,005
baseline
▲ 0.50% · 4.625%
HK$17,902
+HK$897/mo
Deposit HK$1.36M · loan HK$3.18M · min. income ≈ HK$34,010/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$71,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,646
−HK$1,169/mo
▼ 0.25% · 3.875%
HK$19,226
−HK$589/mo
Today · 4.125%
HK$19,815
baseline
▲ 0.50% · 4.625%
HK$21,021
+HK$1,206/mo
Deposit HK$454K · loan HK$4.09M · min. income ≈ HK$39,630/mo (50% DSR)
Upfront cash ≈ HK$526K (deposit + AVD stamp duty HK$71,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,743
−HK$1,121/mo
▼ 0.25% · 3.875%
HK$21,299
−HK$565/mo
Today · 4.125%
HK$21,864
baseline
▲ 0.50% · 4.625%
HK$23,016
+HK$1,152/mo
Deposit HK$454K · loan HK$4.09M · min. income ≈ HK$43,728/mo (50% DSR)
Upfront cash ≈ HK$526K (deposit + AVD stamp duty HK$71,778 · 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).