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$10,155
−HK$637/mo
▼ 0.25% · 3.875%
HK$10,471
−HK$321/mo
Today · 4.125%
HK$10,792
baseline
▲ 0.50% · 4.625%
HK$11,448
+HK$656/mo
Deposit HK$2.23M · loan HK$2.23M · min. income ≈ HK$21,584/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$66,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,297
−HK$610/mo
▼ 0.25% · 3.875%
HK$11,600
−HK$307/mo
Today · 4.125%
HK$11,907
baseline
▲ 0.50% · 4.625%
HK$12,535
+HK$628/mo
Deposit HK$2.23M · loan HK$2.23M · min. income ≈ HK$23,814/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$66,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,186
−HK$764/mo
▼ 0.25% · 3.875%
HK$12,565
−HK$385/mo
Today · 4.125%
HK$12,950
baseline
▲ 0.50% · 4.625%
HK$13,738
+HK$788/mo
Deposit HK$1.78M · loan HK$2.67M · min. income ≈ HK$25,900/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$66,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,556
−HK$733/mo
▼ 0.25% · 3.875%
HK$13,920
−HK$369/mo
Today · 4.125%
HK$14,289
baseline
▲ 0.50% · 4.625%
HK$15,042
+HK$753/mo
Deposit HK$1.78M · loan HK$2.67M · min. income ≈ HK$28,578/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$66,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,217
−HK$891/mo
▼ 0.25% · 3.875%
HK$14,659
−HK$449/mo
Today · 4.125%
HK$15,108
baseline
▲ 0.50% · 4.625%
HK$16,027
+HK$919/mo
Deposit HK$1.34M · loan HK$3.12M · min. income ≈ HK$30,216/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$66,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,816
−HK$854/mo
▼ 0.25% · 3.875%
HK$16,240
−HK$430/mo
Today · 4.125%
HK$16,670
baseline
▲ 0.50% · 4.625%
HK$17,549
+HK$879/mo
Deposit HK$1.34M · loan HK$3.12M · min. income ≈ HK$33,340/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$66,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,279
−HK$1,146/mo
▼ 0.25% · 3.875%
HK$18,847
−HK$578/mo
Today · 4.125%
HK$19,425
baseline
▲ 0.50% · 4.625%
HK$20,607
+HK$1,182/mo
Deposit HK$445K · loan HK$4.01M · min. income ≈ HK$38,850/mo (50% DSR)
Upfront cash ≈ HK$512K (deposit + AVD stamp duty HK$66,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,335
−HK$1,098/mo
▼ 0.25% · 3.875%
HK$20,880
−HK$553/mo
Today · 4.125%
HK$21,433
baseline
▲ 0.50% · 4.625%
HK$22,563
+HK$1,130/mo
Deposit HK$445K · loan HK$4.01M · min. income ≈ HK$42,866/mo (50% DSR)
Upfront cash ≈ HK$512K (deposit + AVD stamp duty HK$66,801 · 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).