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$10,368
−HK$650/mo
▼ 0.25% · 3.875%
HK$10,690
−HK$328/mo
Today · 4.125%
HK$11,018
baseline
▲ 0.50% · 4.625%
HK$11,688
+HK$670/mo
Deposit HK$2.27M · loan HK$2.27M · min. income ≈ HK$22,036/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$72,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,534
−HK$623/mo
▼ 0.25% · 3.875%
HK$11,843
−HK$314/mo
Today · 4.125%
HK$12,157
baseline
▲ 0.50% · 4.625%
HK$12,798
+HK$641/mo
Deposit HK$2.27M · loan HK$2.27M · min. income ≈ HK$24,314/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$72,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,441
−HK$780/mo
▼ 0.25% · 3.875%
HK$12,828
−HK$393/mo
Today · 4.125%
HK$13,221
baseline
▲ 0.50% · 4.625%
HK$14,026
+HK$805/mo
Deposit HK$1.82M · loan HK$2.73M · min. income ≈ HK$26,442/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$72,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,841
−HK$748/mo
▼ 0.25% · 3.875%
HK$14,212
−HK$377/mo
Today · 4.125%
HK$14,589
baseline
▲ 0.50% · 4.625%
HK$15,358
+HK$769/mo
Deposit HK$1.82M · loan HK$2.73M · min. income ≈ HK$29,178/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$72,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,515
−HK$910/mo
▼ 0.25% · 3.875%
HK$14,966
−HK$459/mo
Today · 4.125%
HK$15,425
baseline
▲ 0.50% · 4.625%
HK$16,364
+HK$939/mo
Deposit HK$1.36M · loan HK$3.18M · min. income ≈ HK$30,850/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$72,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,148
−HK$872/mo
▼ 0.25% · 3.875%
HK$16,581
−HK$439/mo
Today · 4.125%
HK$17,020
baseline
▲ 0.50% · 4.625%
HK$17,917
+HK$897/mo
Deposit HK$1.36M · loan HK$3.18M · min. income ≈ HK$34,040/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$72,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,662
−HK$1,170/mo
▼ 0.25% · 3.875%
HK$19,242
−HK$590/mo
Today · 4.125%
HK$19,832
baseline
▲ 0.50% · 4.625%
HK$21,039
+HK$1,207/mo
Deposit HK$455K · loan HK$4.09M · min. income ≈ HK$39,664/mo (50% DSR)
Upfront cash ≈ HK$527K (deposit + AVD stamp duty HK$72,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,761
−HK$1,122/mo
▼ 0.25% · 3.875%
HK$21,318
−HK$565/mo
Today · 4.125%
HK$21,883
baseline
▲ 0.50% · 4.625%
HK$23,036
+HK$1,153/mo
Deposit HK$455K · loan HK$4.09M · min. income ≈ HK$43,766/mo (50% DSR)
Upfront cash ≈ HK$527K (deposit + AVD stamp duty HK$72,174 · 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).