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$10,291
−HK$646/mo
▼ 0.25% · 3.875%
HK$10,611
−HK$326/mo
Today · 4.125%
HK$10,937
baseline
▲ 0.50% · 4.625%
HK$11,602
+HK$665/mo
Deposit HK$2.26M · loan HK$2.26M · min. income ≈ HK$21,874/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$68,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,449
−HK$619/mo
▼ 0.25% · 3.875%
HK$11,756
−HK$312/mo
Today · 4.125%
HK$12,068
baseline
▲ 0.50% · 4.625%
HK$12,704
+HK$636/mo
Deposit HK$2.26M · loan HK$2.26M · min. income ≈ HK$24,136/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$68,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,350
−HK$774/mo
▼ 0.25% · 3.875%
HK$12,734
−HK$390/mo
Today · 4.125%
HK$13,124
baseline
▲ 0.50% · 4.625%
HK$13,923
+HK$799/mo
Deposit HK$1.81M · loan HK$2.71M · min. income ≈ HK$26,248/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$68,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,739
−HK$742/mo
▼ 0.25% · 3.875%
HK$14,107
−HK$374/mo
Today · 4.125%
HK$14,481
baseline
▲ 0.50% · 4.625%
HK$15,244
+HK$763/mo
Deposit HK$1.81M · loan HK$2.71M · min. income ≈ HK$28,962/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$68,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,408
−HK$903/mo
▼ 0.25% · 3.875%
HK$14,856
−HK$455/mo
Today · 4.125%
HK$15,311
baseline
▲ 0.50% · 4.625%
HK$16,243
+HK$932/mo
Deposit HK$1.35M · loan HK$3.16M · min. income ≈ HK$30,622/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$68,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,029
−HK$866/mo
▼ 0.25% · 3.875%
HK$16,458
−HK$437/mo
Today · 4.125%
HK$16,895
baseline
▲ 0.50% · 4.625%
HK$17,785
+HK$890/mo
Deposit HK$1.35M · loan HK$3.16M · min. income ≈ HK$33,790/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$68,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,524
−HK$1,162/mo
▼ 0.25% · 3.875%
HK$19,101
−HK$585/mo
Today · 4.125%
HK$19,686
baseline
▲ 0.50% · 4.625%
HK$20,884
+HK$1,198/mo
Deposit HK$451K · loan HK$4.06M · min. income ≈ HK$39,372/mo (50% DSR)
Upfront cash ≈ HK$520K (deposit + AVD stamp duty HK$68,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,608
−HK$1,114/mo
▼ 0.25% · 3.875%
HK$21,161
−HK$561/mo
Today · 4.125%
HK$21,722
baseline
▲ 0.50% · 4.625%
HK$22,867
+HK$1,145/mo
Deposit HK$451K · loan HK$4.06M · min. income ≈ HK$43,444/mo (50% DSR)
Upfront cash ≈ HK$520K (deposit + AVD stamp duty HK$68,823 · 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).