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$10,313
−HK$647/mo
▼ 0.25% · 3.875%
HK$10,634
−HK$326/mo
Today · 4.125%
HK$10,960
baseline
▲ 0.50% · 4.625%
HK$11,627
+HK$667/mo
Deposit HK$2.26M · loan HK$2.26M · min. income ≈ HK$21,920/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$69,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,474
−HK$619/mo
▼ 0.25% · 3.875%
HK$11,781
−HK$312/mo
Today · 4.125%
HK$12,093
baseline
▲ 0.50% · 4.625%
HK$12,731
+HK$638/mo
Deposit HK$2.26M · loan HK$2.26M · min. income ≈ HK$24,186/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$69,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,376
−HK$776/mo
▼ 0.25% · 3.875%
HK$12,761
−HK$391/mo
Today · 4.125%
HK$13,152
baseline
▲ 0.50% · 4.625%
HK$13,952
+HK$800/mo
Deposit HK$1.81M · loan HK$2.71M · min. income ≈ HK$26,304/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$69,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,768
−HK$744/mo
▼ 0.25% · 3.875%
HK$14,138
−HK$374/mo
Today · 4.125%
HK$14,512
baseline
▲ 0.50% · 4.625%
HK$15,277
+HK$765/mo
Deposit HK$1.81M · loan HK$2.71M · min. income ≈ HK$29,024/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$69,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,439
−HK$905/mo
▼ 0.25% · 3.875%
HK$14,888
−HK$456/mo
Today · 4.125%
HK$15,344
baseline
▲ 0.50% · 4.625%
HK$16,278
+HK$934/mo
Deposit HK$1.36M · loan HK$3.17M · min. income ≈ HK$30,688/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$69,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,063
−HK$868/mo
▼ 0.25% · 3.875%
HK$16,494
−HK$437/mo
Today · 4.125%
HK$16,931
baseline
▲ 0.50% · 4.625%
HK$17,823
+HK$892/mo
Deposit HK$1.36M · loan HK$3.17M · min. income ≈ HK$33,862/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$69,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,564
−HK$1,164/mo
▼ 0.25% · 3.875%
HK$19,142
−HK$586/mo
Today · 4.125%
HK$19,728
baseline
▲ 0.50% · 4.625%
HK$20,929
+HK$1,201/mo
Deposit HK$452K · loan HK$4.07M · min. income ≈ HK$39,456/mo (50% DSR)
Upfront cash ≈ HK$522K (deposit + AVD stamp duty HK$69,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,652
−HK$1,116/mo
▼ 0.25% · 3.875%
HK$21,206
−HK$562/mo
Today · 4.125%
HK$21,768
baseline
▲ 0.50% · 4.625%
HK$22,916
+HK$1,148/mo
Deposit HK$452K · loan HK$4.07M · min. income ≈ HK$43,536/mo (50% DSR)
Upfront cash ≈ HK$522K (deposit + AVD stamp duty HK$69,792 · 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).