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$10,158
−HK$637/mo
▼ 0.25% · 3.875%
HK$10,474
−HK$321/mo
Today · 4.125%
HK$10,795
baseline
▲ 0.50% · 4.625%
HK$11,452
+HK$657/mo
Deposit HK$2.23M · loan HK$2.23M · min. income ≈ HK$21,590/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$66,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,301
−HK$610/mo
▼ 0.25% · 3.875%
HK$11,604
−HK$307/mo
Today · 4.125%
HK$11,911
baseline
▲ 0.50% · 4.625%
HK$12,539
+HK$628/mo
Deposit HK$2.23M · loan HK$2.23M · min. income ≈ HK$23,822/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$66,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,189
−HK$765/mo
▼ 0.25% · 3.875%
HK$12,569
−HK$385/mo
Today · 4.125%
HK$12,954
baseline
▲ 0.50% · 4.625%
HK$13,742
+HK$788/mo
Deposit HK$1.78M · loan HK$2.67M · min. income ≈ HK$25,908/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$66,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,561
−HK$732/mo
▼ 0.25% · 3.875%
HK$13,924
−HK$369/mo
Today · 4.125%
HK$14,293
baseline
▲ 0.50% · 4.625%
HK$15,047
+HK$754/mo
Deposit HK$1.78M · loan HK$2.67M · min. income ≈ HK$28,586/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$66,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,221
−HK$892/mo
▼ 0.25% · 3.875%
HK$14,663
−HK$450/mo
Today · 4.125%
HK$15,113
baseline
▲ 0.50% · 4.625%
HK$16,032
+HK$919/mo
Deposit HK$1.34M · loan HK$3.12M · min. income ≈ HK$30,226/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$66,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,821
−HK$854/mo
▼ 0.25% · 3.875%
HK$16,245
−HK$430/mo
Today · 4.125%
HK$16,675
baseline
▲ 0.50% · 4.625%
HK$17,554
+HK$879/mo
Deposit HK$1.34M · loan HK$3.12M · min. income ≈ HK$33,350/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$66,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,284
−HK$1,147/mo
▼ 0.25% · 3.875%
HK$18,853
−HK$578/mo
Today · 4.125%
HK$19,431
baseline
▲ 0.50% · 4.625%
HK$20,613
+HK$1,182/mo
Deposit HK$445K · loan HK$4.01M · min. income ≈ HK$38,862/mo (50% DSR)
Upfront cash ≈ HK$512K (deposit + AVD stamp duty HK$66,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,341
−HK$1,099/mo
▼ 0.25% · 3.875%
HK$20,886
−HK$554/mo
Today · 4.125%
HK$21,440
baseline
▲ 0.50% · 4.625%
HK$22,570
+HK$1,130/mo
Deposit HK$445K · loan HK$4.01M · min. income ≈ HK$42,880/mo (50% DSR)
Upfront cash ≈ HK$512K (deposit + AVD stamp duty HK$66,821 · 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).