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$10,396
−HK$652/mo
▼ 0.25% · 3.875%
HK$10,720
−HK$328/mo
Today · 4.125%
HK$11,048
baseline
▲ 0.50% · 4.625%
HK$11,720
+HK$672/mo
Deposit HK$2.28M · loan HK$2.28M · min. income ≈ HK$22,096/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$73,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,566
−HK$624/mo
▼ 0.25% · 3.875%
HK$11,876
−HK$314/mo
Today · 4.125%
HK$12,190
baseline
▲ 0.50% · 4.625%
HK$12,833
+HK$643/mo
Deposit HK$2.28M · loan HK$2.28M · min. income ≈ HK$24,380/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$73,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,475
−HK$783/mo
▼ 0.25% · 3.875%
HK$12,863
−HK$395/mo
Today · 4.125%
HK$13,258
baseline
▲ 0.50% · 4.625%
HK$14,064
+HK$806/mo
Deposit HK$1.82M · loan HK$2.74M · min. income ≈ HK$26,516/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$73,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,879
−HK$750/mo
▼ 0.25% · 3.875%
HK$14,251
−HK$378/mo
Today · 4.125%
HK$14,629
baseline
▲ 0.50% · 4.625%
HK$15,400
+HK$771/mo
Deposit HK$1.82M · loan HK$2.74M · min. income ≈ HK$29,258/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$73,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,555
−HK$912/mo
▼ 0.25% · 3.875%
HK$15,007
−HK$460/mo
Today · 4.125%
HK$15,467
baseline
▲ 0.50% · 4.625%
HK$16,408
+HK$941/mo
Deposit HK$1.37M · loan HK$3.19M · min. income ≈ HK$30,934/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$73,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,192
−HK$875/mo
▼ 0.25% · 3.875%
HK$16,626
−HK$441/mo
Today · 4.125%
HK$17,067
baseline
▲ 0.50% · 4.625%
HK$17,966
+HK$899/mo
Deposit HK$1.37M · loan HK$3.19M · min. income ≈ HK$34,134/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$73,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,713
−HK$1,174/mo
▼ 0.25% · 3.875%
HK$19,295
−HK$592/mo
Today · 4.125%
HK$19,887
baseline
▲ 0.50% · 4.625%
HK$21,097
+HK$1,210/mo
Deposit HK$456K · loan HK$4.10M · min. income ≈ HK$39,774/mo (50% DSR)
Upfront cash ≈ HK$529K (deposit + AVD stamp duty HK$73,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,818
−HK$1,125/mo
▼ 0.25% · 3.875%
HK$21,376
−HK$567/mo
Today · 4.125%
HK$21,943
baseline
▲ 0.50% · 4.625%
HK$23,099
+HK$1,156/mo
Deposit HK$456K · loan HK$4.10M · min. income ≈ HK$43,886/mo (50% DSR)
Upfront cash ≈ HK$529K (deposit + AVD stamp duty HK$73,421 · 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).