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$10,206
−HK$640/mo
▼ 0.25% · 3.875%
HK$10,524
−HK$322/mo
Today · 4.125%
HK$10,846
baseline
▲ 0.50% · 4.625%
HK$11,506
+HK$660/mo
Deposit HK$2.24M · loan HK$2.24M · min. income ≈ HK$21,692/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$67,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,354
−HK$614/mo
▼ 0.25% · 3.875%
HK$11,659
−HK$309/mo
Today · 4.125%
HK$11,968
baseline
▲ 0.50% · 4.625%
HK$12,599
+HK$631/mo
Deposit HK$2.24M · loan HK$2.24M · min. income ≈ HK$23,936/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$67,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,247
−HK$769/mo
▼ 0.25% · 3.875%
HK$12,628
−HK$388/mo
Today · 4.125%
HK$13,016
baseline
▲ 0.50% · 4.625%
HK$13,807
+HK$791/mo
Deposit HK$1.79M · loan HK$2.69M · min. income ≈ HK$26,032/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$67,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,625
−HK$736/mo
▼ 0.25% · 3.875%
HK$13,991
−HK$370/mo
Today · 4.125%
HK$14,361
baseline
▲ 0.50% · 4.625%
HK$15,118
+HK$757/mo
Deposit HK$1.79M · loan HK$2.69M · min. income ≈ HK$28,722/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$67,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,289
−HK$896/mo
▼ 0.25% · 3.875%
HK$14,733
−HK$452/mo
Today · 4.125%
HK$15,185
baseline
▲ 0.50% · 4.625%
HK$16,109
+HK$924/mo
Deposit HK$1.34M · loan HK$3.13M · min. income ≈ HK$30,370/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$67,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,896
−HK$859/mo
▼ 0.25% · 3.875%
HK$16,322
−HK$433/mo
Today · 4.125%
HK$16,755
baseline
▲ 0.50% · 4.625%
HK$17,638
+HK$883/mo
Deposit HK$1.34M · loan HK$3.13M · min. income ≈ HK$33,510/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$67,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,371
−HK$1,152/mo
▼ 0.25% · 3.875%
HK$18,943
−HK$580/mo
Today · 4.125%
HK$19,523
baseline
▲ 0.50% · 4.625%
HK$20,711
+HK$1,188/mo
Deposit HK$448K · loan HK$4.03M · min. income ≈ HK$39,046/mo (50% DSR)
Upfront cash ≈ HK$515K (deposit + AVD stamp duty HK$67,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,438
−HK$1,104/mo
▼ 0.25% · 3.875%
HK$20,986
−HK$556/mo
Today · 4.125%
HK$21,542
baseline
▲ 0.50% · 4.625%
HK$22,677
+HK$1,135/mo
Deposit HK$448K · loan HK$4.03M · min. income ≈ HK$43,084/mo (50% DSR)
Upfront cash ≈ HK$515K (deposit + AVD stamp duty HK$67,139 · 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).