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$10,379
−HK$651/mo
▼ 0.25% · 3.875%
HK$10,702
−HK$328/mo
Today · 4.125%
HK$11,030
baseline
▲ 0.50% · 4.625%
HK$11,701
+HK$671/mo
Deposit HK$2.28M · loan HK$2.28M · min. income ≈ HK$22,060/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$72,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,546
−HK$624/mo
▼ 0.25% · 3.875%
HK$11,856
−HK$314/mo
Today · 4.125%
HK$12,170
baseline
▲ 0.50% · 4.625%
HK$12,812
+HK$642/mo
Deposit HK$2.28M · loan HK$2.28M · min. income ≈ HK$24,340/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$72,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,454
−HK$781/mo
▼ 0.25% · 3.875%
HK$12,842
−HK$393/mo
Today · 4.125%
HK$13,235
baseline
▲ 0.50% · 4.625%
HK$14,041
+HK$806/mo
Deposit HK$1.82M · loan HK$2.73M · min. income ≈ HK$26,470/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$72,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,855
−HK$749/mo
▼ 0.25% · 3.875%
HK$14,227
−HK$377/mo
Today · 4.125%
HK$14,604
baseline
▲ 0.50% · 4.625%
HK$15,374
+HK$770/mo
Deposit HK$1.82M · loan HK$2.73M · min. income ≈ HK$29,208/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$72,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,530
−HK$911/mo
▼ 0.25% · 3.875%
HK$14,982
−HK$459/mo
Today · 4.125%
HK$15,441
baseline
▲ 0.50% · 4.625%
HK$16,381
+HK$940/mo
Deposit HK$1.37M · loan HK$3.19M · min. income ≈ HK$30,882/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$72,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,165
−HK$873/mo
▼ 0.25% · 3.875%
HK$16,598
−HK$440/mo
Today · 4.125%
HK$17,038
baseline
▲ 0.50% · 4.625%
HK$17,936
+HK$898/mo
Deposit HK$1.37M · loan HK$3.19M · min. income ≈ HK$34,076/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$72,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,682
−HK$1,171/mo
▼ 0.25% · 3.875%
HK$19,263
−HK$590/mo
Today · 4.125%
HK$19,853
baseline
▲ 0.50% · 4.625%
HK$21,061
+HK$1,208/mo
Deposit HK$455K · loan HK$4.10M · min. income ≈ HK$39,706/mo (50% DSR)
Upfront cash ≈ HK$528K (deposit + AVD stamp duty HK$72,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,783
−HK$1,123/mo
▼ 0.25% · 3.875%
HK$21,341
−HK$565/mo
Today · 4.125%
HK$21,906
baseline
▲ 0.50% · 4.625%
HK$23,061
+HK$1,155/mo
Deposit HK$455K · loan HK$4.10M · min. income ≈ HK$43,812/mo (50% DSR)
Upfront cash ≈ HK$528K (deposit + AVD stamp duty HK$72,656 · 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).