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$10,411
−HK$653/mo
▼ 0.25% · 3.875%
HK$10,735
−HK$329/mo
Today · 4.125%
HK$11,064
baseline
▲ 0.50% · 4.625%
HK$11,737
+HK$673/mo
Deposit HK$2.28M · loan HK$2.28M · min. income ≈ HK$22,128/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$74,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,582
−HK$626/mo
▼ 0.25% · 3.875%
HK$11,893
−HK$315/mo
Today · 4.125%
HK$12,208
baseline
▲ 0.50% · 4.625%
HK$12,851
+HK$643/mo
Deposit HK$2.28M · loan HK$2.28M · min. income ≈ HK$24,416/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$74,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,493
−HK$784/mo
▼ 0.25% · 3.875%
HK$12,882
−HK$395/mo
Today · 4.125%
HK$13,277
baseline
▲ 0.50% · 4.625%
HK$14,084
+HK$807/mo
Deposit HK$1.83M · loan HK$2.74M · min. income ≈ HK$26,554/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$74,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,898
−HK$751/mo
▼ 0.25% · 3.875%
HK$14,271
−HK$378/mo
Today · 4.125%
HK$14,649
baseline
▲ 0.50% · 4.625%
HK$15,422
+HK$773/mo
Deposit HK$1.83M · loan HK$2.74M · min. income ≈ HK$29,298/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$74,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,575
−HK$914/mo
▼ 0.25% · 3.875%
HK$15,029
−HK$460/mo
Today · 4.125%
HK$15,489
baseline
▲ 0.50% · 4.625%
HK$16,432
+HK$943/mo
Deposit HK$1.37M · loan HK$3.20M · min. income ≈ HK$30,978/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$74,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,215
−HK$876/mo
▼ 0.25% · 3.875%
HK$16,650
−HK$441/mo
Today · 4.125%
HK$17,091
baseline
▲ 0.50% · 4.625%
HK$17,992
+HK$901/mo
Deposit HK$1.37M · loan HK$3.20M · min. income ≈ HK$34,182/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$74,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,740
−HK$1,175/mo
▼ 0.25% · 3.875%
HK$19,323
−HK$592/mo
Today · 4.125%
HK$19,915
baseline
▲ 0.50% · 4.625%
HK$21,127
+HK$1,212/mo
Deposit HK$457K · loan HK$4.11M · min. income ≈ HK$39,830/mo (50% DSR)
Upfront cash ≈ HK$531K (deposit + AVD stamp duty HK$74,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,848
−HK$1,126/mo
▼ 0.25% · 3.875%
HK$21,407
−HK$567/mo
Today · 4.125%
HK$21,974
baseline
▲ 0.50% · 4.625%
HK$23,132
+HK$1,158/mo
Deposit HK$457K · loan HK$4.11M · min. income ≈ HK$43,948/mo (50% DSR)
Upfront cash ≈ HK$531K (deposit + AVD stamp duty HK$74,068 · 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).