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$10,180
−HK$639/mo
▼ 0.25% · 3.875%
HK$10,497
−HK$322/mo
Today · 4.125%
HK$10,819
baseline
▲ 0.50% · 4.625%
HK$11,477
+HK$658/mo
Deposit HK$2.23M · loan HK$2.23M · min. income ≈ HK$21,638/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$66,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,326
−HK$611/mo
▼ 0.25% · 3.875%
HK$11,629
−HK$308/mo
Today · 4.125%
HK$11,937
baseline
▲ 0.50% · 4.625%
HK$12,567
+HK$630/mo
Deposit HK$2.23M · loan HK$2.23M · min. income ≈ HK$23,874/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$66,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,216
−HK$767/mo
▼ 0.25% · 3.875%
HK$12,596
−HK$387/mo
Today · 4.125%
HK$12,983
baseline
▲ 0.50% · 4.625%
HK$13,773
+HK$790/mo
Deposit HK$1.79M · loan HK$2.68M · min. income ≈ HK$25,966/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$66,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,591
−HK$734/mo
▼ 0.25% · 3.875%
HK$13,955
−HK$370/mo
Today · 4.125%
HK$14,325
baseline
▲ 0.50% · 4.625%
HK$15,080
+HK$755/mo
Deposit HK$1.79M · loan HK$2.68M · min. income ≈ HK$28,650/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$66,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,253
−HK$893/mo
▼ 0.25% · 3.875%
HK$14,696
−HK$450/mo
Today · 4.125%
HK$15,146
baseline
▲ 0.50% · 4.625%
HK$16,068
+HK$922/mo
Deposit HK$1.34M · loan HK$3.13M · min. income ≈ HK$30,292/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$66,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,856
−HK$856/mo
▼ 0.25% · 3.875%
HK$16,281
−HK$431/mo
Today · 4.125%
HK$16,712
baseline
▲ 0.50% · 4.625%
HK$17,593
+HK$881/mo
Deposit HK$1.34M · loan HK$3.13M · min. income ≈ HK$33,424/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$66,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,325
−HK$1,149/mo
▼ 0.25% · 3.875%
HK$18,895
−HK$579/mo
Today · 4.125%
HK$19,474
baseline
▲ 0.50% · 4.625%
HK$20,659
+HK$1,185/mo
Deposit HK$446K · loan HK$4.02M · min. income ≈ HK$38,948/mo (50% DSR)
Upfront cash ≈ HK$513K (deposit + AVD stamp duty HK$66,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,386
−HK$1,101/mo
▼ 0.25% · 3.875%
HK$20,933
−HK$554/mo
Today · 4.125%
HK$21,487
baseline
▲ 0.50% · 4.625%
HK$22,620
+HK$1,133/mo
Deposit HK$446K · loan HK$4.02M · min. income ≈ HK$42,974/mo (50% DSR)
Upfront cash ≈ HK$513K (deposit + AVD stamp duty HK$66,969 · 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).