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$10,202
−HK$639/mo
▼ 0.25% · 3.875%
HK$10,519
−HK$322/mo
Today · 4.125%
HK$10,841
baseline
▲ 0.50% · 4.625%
HK$11,501
+HK$660/mo
Deposit HK$2.24M · loan HK$2.24M · min. income ≈ HK$21,682/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$67,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,349
−HK$613/mo
▼ 0.25% · 3.875%
HK$11,654
−HK$308/mo
Today · 4.125%
HK$11,962
baseline
▲ 0.50% · 4.625%
HK$12,593
+HK$631/mo
Deposit HK$2.24M · loan HK$2.24M · min. income ≈ HK$23,924/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$67,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,242
−HK$768/mo
▼ 0.25% · 3.875%
HK$12,623
−HK$387/mo
Today · 4.125%
HK$13,010
baseline
▲ 0.50% · 4.625%
HK$13,801
+HK$791/mo
Deposit HK$1.79M · loan HK$2.68M · min. income ≈ HK$26,020/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$67,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,619
−HK$736/mo
▼ 0.25% · 3.875%
HK$13,984
−HK$371/mo
Today · 4.125%
HK$14,355
baseline
▲ 0.50% · 4.625%
HK$15,112
+HK$757/mo
Deposit HK$1.79M · loan HK$2.68M · min. income ≈ HK$28,710/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$67,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,282
−HK$896/mo
▼ 0.25% · 3.875%
HK$14,727
−HK$451/mo
Today · 4.125%
HK$15,178
baseline
▲ 0.50% · 4.625%
HK$16,102
+HK$924/mo
Deposit HK$1.34M · loan HK$3.13M · min. income ≈ HK$30,356/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$67,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,889
−HK$858/mo
▼ 0.25% · 3.875%
HK$16,315
−HK$432/mo
Today · 4.125%
HK$16,747
baseline
▲ 0.50% · 4.625%
HK$17,630
+HK$883/mo
Deposit HK$1.34M · loan HK$3.13M · min. income ≈ HK$33,494/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$67,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,363
−HK$1,152/mo
▼ 0.25% · 3.875%
HK$18,934
−HK$581/mo
Today · 4.125%
HK$19,515
baseline
▲ 0.50% · 4.625%
HK$20,702
+HK$1,187/mo
Deposit HK$447K · loan HK$4.03M · min. income ≈ HK$39,030/mo (50% DSR)
Upfront cash ≈ HK$515K (deposit + AVD stamp duty HK$67,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,429
−HK$1,103/mo
▼ 0.25% · 3.875%
HK$20,977
−HK$555/mo
Today · 4.125%
HK$21,532
baseline
▲ 0.50% · 4.625%
HK$22,667
+HK$1,135/mo
Deposit HK$447K · loan HK$4.03M · min. income ≈ HK$43,064/mo (50% DSR)
Upfront cash ≈ HK$515K (deposit + AVD stamp duty HK$67,109 · 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).