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$10,392
−HK$652/mo
▼ 0.25% · 3.875%
HK$10,716
−HK$328/mo
Today · 4.125%
HK$11,044
baseline
▲ 0.50% · 4.625%
HK$11,716
+HK$672/mo
Deposit HK$2.28M · loan HK$2.28M · min. income ≈ HK$22,088/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$73,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,561
−HK$625/mo
▼ 0.25% · 3.875%
HK$11,871
−HK$315/mo
Today · 4.125%
HK$12,186
baseline
▲ 0.50% · 4.625%
HK$12,828
+HK$642/mo
Deposit HK$2.28M · loan HK$2.28M · min. income ≈ HK$24,372/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$73,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,471
−HK$782/mo
▼ 0.25% · 3.875%
HK$12,859
−HK$394/mo
Today · 4.125%
HK$13,253
baseline
▲ 0.50% · 4.625%
HK$14,059
+HK$806/mo
Deposit HK$1.82M · loan HK$2.73M · min. income ≈ HK$26,506/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$73,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,874
−HK$749/mo
▼ 0.25% · 3.875%
HK$14,246
−HK$377/mo
Today · 4.125%
HK$14,623
baseline
▲ 0.50% · 4.625%
HK$15,394
+HK$771/mo
Deposit HK$1.82M · loan HK$2.73M · min. income ≈ HK$29,246/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$73,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,549
−HK$913/mo
▼ 0.25% · 3.875%
HK$15,002
−HK$460/mo
Today · 4.125%
HK$15,462
baseline
▲ 0.50% · 4.625%
HK$16,402
+HK$940/mo
Deposit HK$1.37M · loan HK$3.19M · min. income ≈ HK$30,924/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$73,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,186
−HK$874/mo
▼ 0.25% · 3.875%
HK$16,620
−HK$440/mo
Today · 4.125%
HK$17,060
baseline
▲ 0.50% · 4.625%
HK$17,960
+HK$900/mo
Deposit HK$1.37M · loan HK$3.19M · min. income ≈ HK$34,120/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$73,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,706
−HK$1,173/mo
▼ 0.25% · 3.875%
HK$19,288
−HK$591/mo
Today · 4.125%
HK$19,879
baseline
▲ 0.50% · 4.625%
HK$21,089
+HK$1,210/mo
Deposit HK$456K · loan HK$4.10M · min. income ≈ HK$39,758/mo (50% DSR)
Upfront cash ≈ HK$529K (deposit + AVD stamp duty HK$73,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,811
−HK$1,124/mo
▼ 0.25% · 3.875%
HK$21,369
−HK$566/mo
Today · 4.125%
HK$21,935
baseline
▲ 0.50% · 4.625%
HK$23,091
+HK$1,156/mo
Deposit HK$456K · loan HK$4.10M · min. income ≈ HK$43,870/mo (50% DSR)
Upfront cash ≈ HK$529K (deposit + AVD stamp duty HK$73,255 · 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).