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$10,152
−HK$636/mo
▼ 0.25% · 3.875%
HK$10,467
−HK$321/mo
Today · 4.125%
HK$10,788
baseline
▲ 0.50% · 4.625%
HK$11,445
+HK$657/mo
Deposit HK$2.23M · loan HK$2.23M · min. income ≈ HK$21,576/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$66,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,294
−HK$610/mo
▼ 0.25% · 3.875%
HK$11,597
−HK$307/mo
Today · 4.125%
HK$11,904
baseline
▲ 0.50% · 4.625%
HK$12,531
+HK$627/mo
Deposit HK$2.23M · loan HK$2.23M · min. income ≈ HK$23,808/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$66,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,182
−HK$764/mo
▼ 0.25% · 3.875%
HK$12,561
−HK$385/mo
Today · 4.125%
HK$12,946
baseline
▲ 0.50% · 4.625%
HK$13,734
+HK$788/mo
Deposit HK$1.78M · loan HK$2.67M · min. income ≈ HK$25,892/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$66,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,552
−HK$733/mo
▼ 0.25% · 3.875%
HK$13,916
−HK$369/mo
Today · 4.125%
HK$14,285
baseline
▲ 0.50% · 4.625%
HK$15,038
+HK$753/mo
Deposit HK$1.78M · loan HK$2.67M · min. income ≈ HK$28,570/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$66,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,212
−HK$892/mo
▼ 0.25% · 3.875%
HK$14,654
−HK$450/mo
Today · 4.125%
HK$15,104
baseline
▲ 0.50% · 4.625%
HK$16,023
+HK$919/mo
Deposit HK$1.34M · loan HK$3.12M · min. income ≈ HK$30,208/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$66,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,811
−HK$854/mo
▼ 0.25% · 3.875%
HK$16,235
−HK$430/mo
Today · 4.125%
HK$16,665
baseline
▲ 0.50% · 4.625%
HK$17,544
+HK$879/mo
Deposit HK$1.34M · loan HK$3.12M · min. income ≈ HK$33,330/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$66,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,273
−HK$1,146/mo
▼ 0.25% · 3.875%
HK$18,841
−HK$578/mo
Today · 4.125%
HK$19,419
baseline
▲ 0.50% · 4.625%
HK$20,600
+HK$1,181/mo
Deposit HK$445K · loan HK$4.01M · min. income ≈ HK$38,838/mo (50% DSR)
Upfront cash ≈ HK$512K (deposit + AVD stamp duty HK$66,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,329
−HK$1,098/mo
▼ 0.25% · 3.875%
HK$20,874
−HK$553/mo
Today · 4.125%
HK$21,427
baseline
▲ 0.50% · 4.625%
HK$22,556
+HK$1,129/mo
Deposit HK$445K · loan HK$4.01M · min. income ≈ HK$42,854/mo (50% DSR)
Upfront cash ≈ HK$512K (deposit + AVD stamp duty HK$66,780 · 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).