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$10,221
−HK$641/mo
▼ 0.25% · 3.875%
HK$10,539
−HK$323/mo
Today · 4.125%
HK$10,862
baseline
▲ 0.50% · 4.625%
HK$11,522
+HK$660/mo
Deposit HK$2.24M · loan HK$2.24M · min. income ≈ HK$21,724/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$67,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,370
−HK$615/mo
▼ 0.25% · 3.875%
HK$11,675
−HK$310/mo
Today · 4.125%
HK$11,985
baseline
▲ 0.50% · 4.625%
HK$12,616
+HK$631/mo
Deposit HK$2.24M · loan HK$2.24M · min. income ≈ HK$23,970/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$67,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,265
−HK$769/mo
▼ 0.25% · 3.875%
HK$12,646
−HK$388/mo
Today · 4.125%
HK$13,034
baseline
▲ 0.50% · 4.625%
HK$13,827
+HK$793/mo
Deposit HK$1.79M · loan HK$2.69M · min. income ≈ HK$26,068/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$67,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,644
−HK$738/mo
▼ 0.25% · 3.875%
HK$14,010
−HK$372/mo
Today · 4.125%
HK$14,382
baseline
▲ 0.50% · 4.625%
HK$15,140
+HK$758/mo
Deposit HK$1.79M · loan HK$2.69M · min. income ≈ HK$28,764/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$67,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,309
−HK$897/mo
▼ 0.25% · 3.875%
HK$14,754
−HK$452/mo
Today · 4.125%
HK$15,206
baseline
▲ 0.50% · 4.625%
HK$16,131
+HK$925/mo
Deposit HK$1.34M · loan HK$3.14M · min. income ≈ HK$30,412/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$67,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,919
−HK$860/mo
▼ 0.25% · 3.875%
HK$16,345
−HK$434/mo
Today · 4.125%
HK$16,779
baseline
▲ 0.50% · 4.625%
HK$17,663
+HK$884/mo
Deposit HK$1.34M · loan HK$3.14M · min. income ≈ HK$33,558/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$67,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,397
−HK$1,154/mo
▼ 0.25% · 3.875%
HK$18,969
−HK$582/mo
Today · 4.125%
HK$19,551
baseline
▲ 0.50% · 4.625%
HK$20,740
+HK$1,189/mo
Deposit HK$448K · loan HK$4.03M · min. income ≈ HK$39,102/mo (50% DSR)
Upfront cash ≈ HK$515K (deposit + AVD stamp duty HK$67,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,467
−HK$1,105/mo
▼ 0.25% · 3.875%
HK$21,016
−HK$556/mo
Today · 4.125%
HK$21,572
baseline
▲ 0.50% · 4.625%
HK$22,710
+HK$1,138/mo
Deposit HK$448K · loan HK$4.03M · min. income ≈ HK$43,144/mo (50% DSR)
Upfront cash ≈ HK$515K (deposit + AVD stamp duty HK$67,234 · 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).