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$10,202
−HK$640/mo
▼ 0.25% · 3.875%
HK$10,519
−HK$323/mo
Today · 4.125%
HK$10,842
baseline
▲ 0.50% · 4.625%
HK$11,502
+HK$660/mo
Deposit HK$2.24M · loan HK$2.24M · min. income ≈ HK$21,684/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$67,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,350
−HK$613/mo
▼ 0.25% · 3.875%
HK$11,654
−HK$309/mo
Today · 4.125%
HK$11,963
baseline
▲ 0.50% · 4.625%
HK$12,594
+HK$631/mo
Deposit HK$2.24M · loan HK$2.24M · min. income ≈ HK$23,926/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$67,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,243
−HK$767/mo
▼ 0.25% · 3.875%
HK$12,623
−HK$387/mo
Today · 4.125%
HK$13,010
baseline
▲ 0.50% · 4.625%
HK$13,802
+HK$792/mo
Deposit HK$1.79M · loan HK$2.68M · min. income ≈ HK$26,020/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$67,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,620
−HK$736/mo
▼ 0.25% · 3.875%
HK$13,985
−HK$371/mo
Today · 4.125%
HK$14,356
baseline
▲ 0.50% · 4.625%
HK$15,112
+HK$756/mo
Deposit HK$1.79M · loan HK$2.68M · min. income ≈ HK$28,712/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$67,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,283
−HK$896/mo
▼ 0.25% · 3.875%
HK$14,727
−HK$452/mo
Today · 4.125%
HK$15,179
baseline
▲ 0.50% · 4.625%
HK$16,102
+HK$923/mo
Deposit HK$1.34M · loan HK$3.13M · min. income ≈ HK$30,358/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$67,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,890
−HK$858/mo
▼ 0.25% · 3.875%
HK$16,316
−HK$432/mo
Today · 4.125%
HK$16,748
baseline
▲ 0.50% · 4.625%
HK$17,631
+HK$883/mo
Deposit HK$1.34M · loan HK$3.13M · min. income ≈ HK$33,496/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$67,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,364
−HK$1,151/mo
▼ 0.25% · 3.875%
HK$18,935
−HK$580/mo
Today · 4.125%
HK$19,515
baseline
▲ 0.50% · 4.625%
HK$20,703
+HK$1,188/mo
Deposit HK$447K · loan HK$4.03M · min. income ≈ HK$39,030/mo (50% DSR)
Upfront cash ≈ HK$515K (deposit + AVD stamp duty HK$67,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,430
−HK$1,103/mo
▼ 0.25% · 3.875%
HK$20,977
−HK$556/mo
Today · 4.125%
HK$21,533
baseline
▲ 0.50% · 4.625%
HK$22,668
+HK$1,135/mo
Deposit HK$447K · loan HK$4.03M · min. income ≈ HK$43,066/mo (50% DSR)
Upfront cash ≈ HK$515K (deposit + AVD stamp duty HK$67,112 · 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).