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$10,165
−HK$637/mo
▼ 0.25% · 3.875%
HK$10,481
−HK$321/mo
Today · 4.125%
HK$10,802
baseline
▲ 0.50% · 4.625%
HK$11,459
+HK$657/mo
Deposit HK$2.23M · loan HK$2.23M · min. income ≈ HK$21,604/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$66,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,308
−HK$611/mo
▼ 0.25% · 3.875%
HK$11,611
−HK$308/mo
Today · 4.125%
HK$11,919
baseline
▲ 0.50% · 4.625%
HK$12,547
+HK$628/mo
Deposit HK$2.23M · loan HK$2.23M · min. income ≈ HK$23,838/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$66,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,197
−HK$765/mo
▼ 0.25% · 3.875%
HK$12,577
−HK$385/mo
Today · 4.125%
HK$12,962
baseline
▲ 0.50% · 4.625%
HK$13,751
+HK$789/mo
Deposit HK$1.78M · loan HK$2.67M · min. income ≈ HK$25,924/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$66,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,570
−HK$733/mo
▼ 0.25% · 3.875%
HK$13,934
−HK$369/mo
Today · 4.125%
HK$14,303
baseline
▲ 0.50% · 4.625%
HK$15,057
+HK$754/mo
Deposit HK$1.78M · loan HK$2.67M · min. income ≈ HK$28,606/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$66,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,230
−HK$893/mo
▼ 0.25% · 3.875%
HK$14,673
−HK$450/mo
Today · 4.125%
HK$15,123
baseline
▲ 0.50% · 4.625%
HK$16,043
+HK$920/mo
Deposit HK$1.34M · loan HK$3.12M · min. income ≈ HK$30,246/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$66,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,831
−HK$855/mo
▼ 0.25% · 3.875%
HK$16,256
−HK$430/mo
Today · 4.125%
HK$16,686
baseline
▲ 0.50% · 4.625%
HK$17,566
+HK$880/mo
Deposit HK$1.34M · loan HK$3.12M · min. income ≈ HK$33,372/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$66,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,296
−HK$1,148/mo
▼ 0.25% · 3.875%
HK$18,865
−HK$579/mo
Today · 4.125%
HK$19,444
baseline
▲ 0.50% · 4.625%
HK$20,627
+HK$1,183/mo
Deposit HK$446K · loan HK$4.01M · min. income ≈ HK$38,888/mo (50% DSR)
Upfront cash ≈ HK$513K (deposit + AVD stamp duty HK$66,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,354
−HK$1,100/mo
▼ 0.25% · 3.875%
HK$20,900
−HK$554/mo
Today · 4.125%
HK$21,454
baseline
▲ 0.50% · 4.625%
HK$22,585
+HK$1,131/mo
Deposit HK$446K · loan HK$4.01M · min. income ≈ HK$42,908/mo (50% DSR)
Upfront cash ≈ HK$513K (deposit + AVD stamp duty HK$66,865 · 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).