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$10,431
−HK$655/mo
▼ 0.25% · 3.875%
HK$10,756
−HK$330/mo
Today · 4.125%
HK$11,086
baseline
▲ 0.50% · 4.625%
HK$11,760
+HK$674/mo
Deposit HK$2.29M · loan HK$2.29M · min. income ≈ HK$22,172/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$74,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,605
−HK$627/mo
▼ 0.25% · 3.875%
HK$11,916
−HK$316/mo
Today · 4.125%
HK$12,232
baseline
▲ 0.50% · 4.625%
HK$12,877
+HK$645/mo
Deposit HK$2.29M · loan HK$2.29M · min. income ≈ HK$24,464/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$74,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,518
−HK$785/mo
▼ 0.25% · 3.875%
HK$12,907
−HK$396/mo
Today · 4.125%
HK$13,303
baseline
▲ 0.50% · 4.625%
HK$14,112
+HK$809/mo
Deposit HK$1.83M · loan HK$2.74M · min. income ≈ HK$26,606/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$74,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,926
−HK$752/mo
▼ 0.25% · 3.875%
HK$14,299
−HK$379/mo
Today · 4.125%
HK$14,678
baseline
▲ 0.50% · 4.625%
HK$15,452
+HK$774/mo
Deposit HK$1.83M · loan HK$2.74M · min. income ≈ HK$29,356/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$74,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,604
−HK$916/mo
▼ 0.25% · 3.875%
HK$15,058
−HK$462/mo
Today · 4.125%
HK$15,520
baseline
▲ 0.50% · 4.625%
HK$16,464
+HK$944/mo
Deposit HK$1.37M · loan HK$3.20M · min. income ≈ HK$31,040/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$74,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,247
−HK$878/mo
▼ 0.25% · 3.875%
HK$16,683
−HK$442/mo
Today · 4.125%
HK$17,125
baseline
▲ 0.50% · 4.625%
HK$18,027
+HK$902/mo
Deposit HK$1.37M · loan HK$3.20M · min. income ≈ HK$34,250/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$74,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,777
−HK$1,177/mo
▼ 0.25% · 3.875%
HK$19,361
−HK$593/mo
Today · 4.125%
HK$19,954
baseline
▲ 0.50% · 4.625%
HK$21,168
+HK$1,214/mo
Deposit HK$457K · loan HK$4.12M · min. income ≈ HK$39,908/mo (50% DSR)
Upfront cash ≈ HK$532K (deposit + AVD stamp duty HK$74,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,889
−HK$1,128/mo
▼ 0.25% · 3.875%
HK$21,449
−HK$568/mo
Today · 4.125%
HK$22,017
baseline
▲ 0.50% · 4.625%
HK$23,178
+HK$1,161/mo
Deposit HK$457K · loan HK$4.12M · min. income ≈ HK$44,034/mo (50% DSR)
Upfront cash ≈ HK$532K (deposit + AVD stamp duty HK$74,967 · 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).