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$10,205
−HK$640/mo
▼ 0.25% · 3.875%
HK$10,523
−HK$322/mo
Today · 4.125%
HK$10,845
baseline
▲ 0.50% · 4.625%
HK$11,505
+HK$660/mo
Deposit HK$2.24M · loan HK$2.24M · min. income ≈ HK$21,690/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$67,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,353
−HK$614/mo
▼ 0.25% · 3.875%
HK$11,658
−HK$309/mo
Today · 4.125%
HK$11,967
baseline
▲ 0.50% · 4.625%
HK$12,597
+HK$630/mo
Deposit HK$2.24M · loan HK$2.24M · min. income ≈ HK$23,934/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$67,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,246
−HK$768/mo
▼ 0.25% · 3.875%
HK$12,627
−HK$387/mo
Today · 4.125%
HK$13,014
baseline
▲ 0.50% · 4.625%
HK$13,806
+HK$792/mo
Deposit HK$1.79M · loan HK$2.69M · min. income ≈ HK$26,028/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$67,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,624
−HK$736/mo
▼ 0.25% · 3.875%
HK$13,989
−HK$371/mo
Today · 4.125%
HK$14,360
baseline
▲ 0.50% · 4.625%
HK$15,117
+HK$757/mo
Deposit HK$1.79M · loan HK$2.69M · min. income ≈ HK$28,720/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$67,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,287
−HK$896/mo
▼ 0.25% · 3.875%
HK$14,732
−HK$451/mo
Today · 4.125%
HK$15,183
baseline
▲ 0.50% · 4.625%
HK$16,107
+HK$924/mo
Deposit HK$1.34M · loan HK$3.13M · min. income ≈ HK$30,366/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$67,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,895
−HK$858/mo
▼ 0.25% · 3.875%
HK$16,321
−HK$432/mo
Today · 4.125%
HK$16,753
baseline
▲ 0.50% · 4.625%
HK$17,636
+HK$883/mo
Deposit HK$1.34M · loan HK$3.13M · min. income ≈ HK$33,506/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$67,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,369
−HK$1,152/mo
▼ 0.25% · 3.875%
HK$18,941
−HK$580/mo
Today · 4.125%
HK$19,521
baseline
▲ 0.50% · 4.625%
HK$20,709
+HK$1,188/mo
Deposit HK$448K · loan HK$4.03M · min. income ≈ HK$39,042/mo (50% DSR)
Upfront cash ≈ HK$515K (deposit + AVD stamp duty HK$67,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,436
−HK$1,104/mo
▼ 0.25% · 3.875%
HK$20,984
−HK$556/mo
Today · 4.125%
HK$21,540
baseline
▲ 0.50% · 4.625%
HK$22,675
+HK$1,135/mo
Deposit HK$448K · loan HK$4.03M · min. income ≈ HK$43,080/mo (50% DSR)
Upfront cash ≈ HK$515K (deposit + AVD stamp duty HK$67,133 · 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).