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$10,383
−HK$652/mo
▼ 0.25% · 3.875%
HK$10,706
−HK$329/mo
Today · 4.125%
HK$11,035
baseline
▲ 0.50% · 4.625%
HK$11,706
+HK$671/mo
Deposit HK$2.28M · loan HK$2.28M · min. income ≈ HK$22,070/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$72,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,551
−HK$625/mo
▼ 0.25% · 3.875%
HK$11,861
−HK$315/mo
Today · 4.125%
HK$12,176
baseline
▲ 0.50% · 4.625%
HK$12,817
+HK$641/mo
Deposit HK$2.28M · loan HK$2.28M · min. income ≈ HK$24,352/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$72,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,460
−HK$781/mo
▼ 0.25% · 3.875%
HK$12,848
−HK$393/mo
Today · 4.125%
HK$13,241
baseline
▲ 0.50% · 4.625%
HK$14,047
+HK$806/mo
Deposit HK$1.82M · loan HK$2.73M · min. income ≈ HK$26,482/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$72,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,862
−HK$749/mo
▼ 0.25% · 3.875%
HK$14,234
−HK$377/mo
Today · 4.125%
HK$14,611
baseline
▲ 0.50% · 4.625%
HK$15,381
+HK$770/mo
Deposit HK$1.82M · loan HK$2.73M · min. income ≈ HK$29,222/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$72,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,537
−HK$911/mo
▼ 0.25% · 3.875%
HK$14,989
−HK$459/mo
Today · 4.125%
HK$15,448
baseline
▲ 0.50% · 4.625%
HK$16,388
+HK$940/mo
Deposit HK$1.37M · loan HK$3.19M · min. income ≈ HK$30,896/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$72,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,172
−HK$874/mo
▼ 0.25% · 3.875%
HK$16,606
−HK$440/mo
Today · 4.125%
HK$17,046
baseline
▲ 0.50% · 4.625%
HK$17,944
+HK$898/mo
Deposit HK$1.37M · loan HK$3.19M · min. income ≈ HK$34,092/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$72,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,690
−HK$1,172/mo
▼ 0.25% · 3.875%
HK$19,272
−HK$590/mo
Today · 4.125%
HK$19,862
baseline
▲ 0.50% · 4.625%
HK$21,071
+HK$1,209/mo
Deposit HK$455K · loan HK$4.10M · min. income ≈ HK$39,724/mo (50% DSR)
Upfront cash ≈ HK$528K (deposit + AVD stamp duty HK$72,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,793
−HK$1,123/mo
▼ 0.25% · 3.875%
HK$21,350
−HK$566/mo
Today · 4.125%
HK$21,916
baseline
▲ 0.50% · 4.625%
HK$23,071
+HK$1,155/mo
Deposit HK$455K · loan HK$4.10M · min. income ≈ HK$43,832/mo (50% DSR)
Upfront cash ≈ HK$528K (deposit + AVD stamp duty HK$72,863 · 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).