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$10,378
−HK$651/mo
▼ 0.25% · 3.875%
HK$10,701
−HK$328/mo
Today · 4.125%
HK$11,029
baseline
▲ 0.50% · 4.625%
HK$11,700
+HK$671/mo
Deposit HK$2.28M · loan HK$2.28M · min. income ≈ HK$22,058/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$72,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,545
−HK$624/mo
▼ 0.25% · 3.875%
HK$11,855
−HK$314/mo
Today · 4.125%
HK$12,169
baseline
▲ 0.50% · 4.625%
HK$12,810
+HK$641/mo
Deposit HK$2.28M · loan HK$2.28M · min. income ≈ HK$24,338/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$72,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,453
−HK$781/mo
▼ 0.25% · 3.875%
HK$12,841
−HK$393/mo
Today · 4.125%
HK$13,234
baseline
▲ 0.50% · 4.625%
HK$14,040
+HK$806/mo
Deposit HK$1.82M · loan HK$2.73M · min. income ≈ HK$26,468/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$72,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,854
−HK$749/mo
▼ 0.25% · 3.875%
HK$14,226
−HK$377/mo
Today · 4.125%
HK$14,603
baseline
▲ 0.50% · 4.625%
HK$15,372
+HK$769/mo
Deposit HK$1.82M · loan HK$2.73M · min. income ≈ HK$29,206/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$72,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,529
−HK$911/mo
▼ 0.25% · 3.875%
HK$14,981
−HK$459/mo
Today · 4.125%
HK$15,440
baseline
▲ 0.50% · 4.625%
HK$16,379
+HK$939/mo
Deposit HK$1.37M · loan HK$3.19M · min. income ≈ HK$30,880/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$72,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,163
−HK$874/mo
▼ 0.25% · 3.875%
HK$16,597
−HK$440/mo
Today · 4.125%
HK$17,037
baseline
▲ 0.50% · 4.625%
HK$17,935
+HK$898/mo
Deposit HK$1.37M · loan HK$3.19M · min. income ≈ HK$34,074/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$72,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,680
−HK$1,171/mo
▼ 0.25% · 3.875%
HK$19,261
−HK$590/mo
Today · 4.125%
HK$19,851
baseline
▲ 0.50% · 4.625%
HK$21,059
+HK$1,208/mo
Deposit HK$455K · loan HK$4.10M · min. income ≈ HK$39,702/mo (50% DSR)
Upfront cash ≈ HK$528K (deposit + AVD stamp duty HK$72,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,781
−HK$1,123/mo
▼ 0.25% · 3.875%
HK$21,339
−HK$565/mo
Today · 4.125%
HK$21,904
baseline
▲ 0.50% · 4.625%
HK$23,059
+HK$1,155/mo
Deposit HK$455K · loan HK$4.10M · min. income ≈ HK$43,808/mo (50% DSR)
Upfront cash ≈ HK$528K (deposit + AVD stamp duty HK$72,616 · 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).