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$10,333
−HK$647/mo
▼ 0.25% · 3.875%
HK$10,654
−HK$326/mo
Today · 4.125%
HK$10,980
baseline
▲ 0.50% · 4.625%
HK$11,649
+HK$669/mo
Deposit HK$2.27M · loan HK$2.27M · min. income ≈ HK$21,960/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$70,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,495
−HK$621/mo
▼ 0.25% · 3.875%
HK$11,803
−HK$313/mo
Today · 4.125%
HK$12,116
baseline
▲ 0.50% · 4.625%
HK$12,755
+HK$639/mo
Deposit HK$2.27M · loan HK$2.27M · min. income ≈ HK$24,232/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$70,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,399
−HK$778/mo
▼ 0.25% · 3.875%
HK$12,785
−HK$392/mo
Today · 4.125%
HK$13,177
baseline
▲ 0.50% · 4.625%
HK$13,978
+HK$801/mo
Deposit HK$1.81M · loan HK$2.72M · min. income ≈ HK$26,354/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$70,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,794
−HK$745/mo
▼ 0.25% · 3.875%
HK$14,164
−HK$375/mo
Today · 4.125%
HK$14,539
baseline
▲ 0.50% · 4.625%
HK$15,305
+HK$766/mo
Deposit HK$1.81M · loan HK$2.72M · min. income ≈ HK$29,078/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$70,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,466
−HK$907/mo
▼ 0.25% · 3.875%
HK$14,916
−HK$457/mo
Today · 4.125%
HK$15,373
baseline
▲ 0.50% · 4.625%
HK$16,308
+HK$935/mo
Deposit HK$1.36M · loan HK$3.17M · min. income ≈ HK$30,746/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$70,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,093
−HK$869/mo
▼ 0.25% · 3.875%
HK$16,524
−HK$438/mo
Today · 4.125%
HK$16,962
baseline
▲ 0.50% · 4.625%
HK$17,856
+HK$894/mo
Deposit HK$1.36M · loan HK$3.17M · min. income ≈ HK$33,924/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$70,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,599
−HK$1,166/mo
▼ 0.25% · 3.875%
HK$19,177
−HK$588/mo
Today · 4.125%
HK$19,765
baseline
▲ 0.50% · 4.625%
HK$20,967
+HK$1,202/mo
Deposit HK$453K · loan HK$4.08M · min. income ≈ HK$39,530/mo (50% DSR)
Upfront cash ≈ HK$524K (deposit + AVD stamp duty HK$70,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,691
−HK$1,118/mo
▼ 0.25% · 3.875%
HK$21,246
−HK$563/mo
Today · 4.125%
HK$21,809
baseline
▲ 0.50% · 4.625%
HK$22,958
+HK$1,149/mo
Deposit HK$453K · loan HK$4.08M · min. income ≈ HK$43,618/mo (50% DSR)
Upfront cash ≈ HK$524K (deposit + AVD stamp duty HK$70,631 · 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).