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$10,168
−HK$638/mo
▼ 0.25% · 3.875%
HK$10,484
−HK$322/mo
Today · 4.125%
HK$10,806
baseline
▲ 0.50% · 4.625%
HK$11,463
+HK$657/mo
Deposit HK$2.23M · loan HK$2.23M · min. income ≈ HK$21,612/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$66,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,312
−HK$611/mo
▼ 0.25% · 3.875%
HK$11,615
−HK$308/mo
Today · 4.125%
HK$11,923
baseline
▲ 0.50% · 4.625%
HK$12,551
+HK$628/mo
Deposit HK$2.23M · loan HK$2.23M · min. income ≈ HK$23,846/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$66,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,201
−HK$766/mo
▼ 0.25% · 3.875%
HK$12,581
−HK$386/mo
Today · 4.125%
HK$12,967
baseline
▲ 0.50% · 4.625%
HK$13,756
+HK$789/mo
Deposit HK$1.78M · loan HK$2.68M · min. income ≈ HK$25,934/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$66,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,574
−HK$733/mo
▼ 0.25% · 3.875%
HK$13,938
−HK$369/mo
Today · 4.125%
HK$14,307
baseline
▲ 0.50% · 4.625%
HK$15,062
+HK$755/mo
Deposit HK$1.78M · loan HK$2.68M · min. income ≈ HK$28,614/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$66,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,235
−HK$893/mo
▼ 0.25% · 3.875%
HK$14,678
−HK$450/mo
Today · 4.125%
HK$15,128
baseline
▲ 0.50% · 4.625%
HK$16,048
+HK$920/mo
Deposit HK$1.34M · loan HK$3.12M · min. income ≈ HK$30,256/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$66,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,836
−HK$856/mo
▼ 0.25% · 3.875%
HK$16,261
−HK$431/mo
Today · 4.125%
HK$16,692
baseline
▲ 0.50% · 4.625%
HK$17,572
+HK$880/mo
Deposit HK$1.34M · loan HK$3.12M · min. income ≈ HK$33,384/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$66,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,302
−HK$1,148/mo
▼ 0.25% · 3.875%
HK$18,872
−HK$578/mo
Today · 4.125%
HK$19,450
baseline
▲ 0.50% · 4.625%
HK$20,633
+HK$1,183/mo
Deposit HK$446K · loan HK$4.01M · min. income ≈ HK$38,900/mo (50% DSR)
Upfront cash ≈ HK$513K (deposit + AVD stamp duty HK$66,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,361
−HK$1,100/mo
▼ 0.25% · 3.875%
HK$20,907
−HK$554/mo
Today · 4.125%
HK$21,461
baseline
▲ 0.50% · 4.625%
HK$22,592
+HK$1,131/mo
Deposit HK$446K · loan HK$4.01M · min. income ≈ HK$42,922/mo (50% DSR)
Upfront cash ≈ HK$513K (deposit + AVD stamp duty HK$66,887 · 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).