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$10,156
−HK$636/mo
▼ 0.25% · 3.875%
HK$10,471
−HK$321/mo
Today · 4.125%
HK$10,792
baseline
▲ 0.50% · 4.625%
HK$11,449
+HK$657/mo
Deposit HK$2.23M · loan HK$2.23M · min. income ≈ HK$21,584/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$66,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,298
−HK$610/mo
▼ 0.25% · 3.875%
HK$11,601
−HK$307/mo
Today · 4.125%
HK$11,908
baseline
▲ 0.50% · 4.625%
HK$12,536
+HK$628/mo
Deposit HK$2.23M · loan HK$2.23M · min. income ≈ HK$23,816/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$66,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,187
−HK$764/mo
▼ 0.25% · 3.875%
HK$12,566
−HK$385/mo
Today · 4.125%
HK$12,951
baseline
▲ 0.50% · 4.625%
HK$13,739
+HK$788/mo
Deposit HK$1.78M · loan HK$2.67M · min. income ≈ HK$25,902/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$66,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,558
−HK$732/mo
▼ 0.25% · 3.875%
HK$13,921
−HK$369/mo
Today · 4.125%
HK$14,290
baseline
▲ 0.50% · 4.625%
HK$15,043
+HK$753/mo
Deposit HK$1.78M · loan HK$2.67M · min. income ≈ HK$28,580/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$66,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,218
−HK$891/mo
▼ 0.25% · 3.875%
HK$14,660
−HK$449/mo
Today · 4.125%
HK$15,109
baseline
▲ 0.50% · 4.625%
HK$16,029
+HK$920/mo
Deposit HK$1.34M · loan HK$3.12M · min. income ≈ HK$30,218/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$66,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,817
−HK$855/mo
▼ 0.25% · 3.875%
HK$16,241
−HK$431/mo
Today · 4.125%
HK$16,672
baseline
▲ 0.50% · 4.625%
HK$17,550
+HK$878/mo
Deposit HK$1.34M · loan HK$3.12M · min. income ≈ HK$33,344/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$66,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,280
−HK$1,146/mo
▼ 0.25% · 3.875%
HK$18,849
−HK$577/mo
Today · 4.125%
HK$19,426
baseline
▲ 0.50% · 4.625%
HK$20,608
+HK$1,182/mo
Deposit HK$445K · loan HK$4.01M · min. income ≈ HK$38,852/mo (50% DSR)
Upfront cash ≈ HK$512K (deposit + AVD stamp duty HK$66,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,336
−HK$1,099/mo
▼ 0.25% · 3.875%
HK$20,882
−HK$553/mo
Today · 4.125%
HK$21,435
baseline
▲ 0.50% · 4.625%
HK$22,565
+HK$1,130/mo
Deposit HK$445K · loan HK$4.01M · min. income ≈ HK$42,870/mo (50% DSR)
Upfront cash ≈ HK$512K (deposit + AVD stamp duty HK$66,806 · 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).