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$10,419
−HK$653/mo
▼ 0.25% · 3.875%
HK$10,743
−HK$329/mo
Today · 4.125%
HK$11,072
baseline
▲ 0.50% · 4.625%
HK$11,746
+HK$674/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$74,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,591
−HK$626/mo
▼ 0.25% · 3.875%
HK$11,901
−HK$316/mo
Today · 4.125%
HK$12,217
baseline
▲ 0.50% · 4.625%
HK$12,861
+HK$644/mo
Deposit HK$2.28M · loan HK$2.28M · min. income ≈ HK$24,434/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$74,407 · 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$14,095
+HK$809/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$74,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,909
−HK$751/mo
▼ 0.25% · 3.875%
HK$14,282
−HK$378/mo
Today · 4.125%
HK$14,660
baseline
▲ 0.50% · 4.625%
HK$15,433
+HK$773/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$74,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,586
−HK$915/mo
▼ 0.25% · 3.875%
HK$15,040
−HK$461/mo
Today · 4.125%
HK$15,501
baseline
▲ 0.50% · 4.625%
HK$16,444
+HK$943/mo
Deposit HK$1.37M · loan HK$3.20M · min. income ≈ HK$31,002/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$74,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,227
−HK$877/mo
▼ 0.25% · 3.875%
HK$16,662
−HK$442/mo
Today · 4.125%
HK$17,104
baseline
▲ 0.50% · 4.625%
HK$18,005
+HK$901/mo
Deposit HK$1.37M · loan HK$3.20M · min. income ≈ HK$34,208/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$74,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,754
−HK$1,176/mo
▼ 0.25% · 3.875%
HK$19,337
−HK$593/mo
Today · 4.125%
HK$19,930
baseline
▲ 0.50% · 4.625%
HK$21,142
+HK$1,212/mo
Deposit HK$457K · loan HK$4.11M · min. income ≈ HK$39,860/mo (50% DSR)
Upfront cash ≈ HK$531K (deposit + AVD stamp duty HK$74,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,863
−HK$1,127/mo
▼ 0.25% · 3.875%
HK$21,423
−HK$567/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$74,407 · 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).