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$10,418
−HK$654/mo
▼ 0.25% · 3.875%
HK$10,742
−HK$330/mo
Today · 4.125%
HK$11,072
baseline
▲ 0.50% · 4.625%
HK$11,745
+HK$673/mo
Deposit HK$2.28M · loan HK$2.28M · min. income ≈ HK$22,144/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$74,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,590
−HK$626/mo
▼ 0.25% · 3.875%
HK$11,901
−HK$315/mo
Today · 4.125%
HK$12,216
baseline
▲ 0.50% · 4.625%
HK$12,860
+HK$644/mo
Deposit HK$2.28M · loan HK$2.28M · min. income ≈ HK$24,432/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$74,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,502
−HK$784/mo
▼ 0.25% · 3.875%
HK$12,891
−HK$395/mo
Today · 4.125%
HK$13,286
baseline
▲ 0.50% · 4.625%
HK$14,094
+HK$808/mo
Deposit HK$1.83M · loan HK$2.74M · min. income ≈ HK$26,572/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$74,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,908
−HK$752/mo
▼ 0.25% · 3.875%
HK$14,281
−HK$379/mo
Today · 4.125%
HK$14,660
baseline
▲ 0.50% · 4.625%
HK$15,432
+HK$772/mo
Deposit HK$1.83M · loan HK$2.74M · min. income ≈ HK$29,320/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$74,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,586
−HK$914/mo
▼ 0.25% · 3.875%
HK$15,039
−HK$461/mo
Today · 4.125%
HK$15,500
baseline
▲ 0.50% · 4.625%
HK$16,443
+HK$943/mo
Deposit HK$1.37M · loan HK$3.20M · min. income ≈ HK$31,000/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$74,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,226
−HK$877/mo
▼ 0.25% · 3.875%
HK$16,662
−HK$441/mo
Today · 4.125%
HK$17,103
baseline
▲ 0.50% · 4.625%
HK$18,005
+HK$902/mo
Deposit HK$1.37M · loan HK$3.20M · min. income ≈ HK$34,206/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$74,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,753
−HK$1,176/mo
▼ 0.25% · 3.875%
HK$19,336
−HK$593/mo
Today · 4.125%
HK$19,929
baseline
▲ 0.50% · 4.625%
HK$21,142
+HK$1,213/mo
Deposit HK$457K · loan HK$4.11M · min. income ≈ HK$39,858/mo (50% DSR)
Upfront cash ≈ HK$531K (deposit + AVD stamp duty HK$74,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,862
−HK$1,128/mo
▼ 0.25% · 3.875%
HK$21,422
−HK$568/mo
Today · 4.125%
HK$21,990
baseline
▲ 0.50% · 4.625%
HK$23,149
+HK$1,159/mo
Deposit HK$457K · loan HK$4.11M · min. income ≈ HK$43,980/mo (50% DSR)
Upfront cash ≈ HK$531K (deposit + AVD stamp duty HK$74,392 · 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).