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$10,339
−HK$648/mo
▼ 0.25% · 3.875%
HK$10,660
−HK$327/mo
Today · 4.125%
HK$10,987
baseline
▲ 0.50% · 4.625%
HK$11,656
+HK$669/mo
Deposit HK$2.27M · loan HK$2.27M · min. income ≈ HK$21,974/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$70,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,502
−HK$621/mo
▼ 0.25% · 3.875%
HK$11,810
−HK$313/mo
Today · 4.125%
HK$12,123
baseline
▲ 0.50% · 4.625%
HK$12,762
+HK$639/mo
Deposit HK$2.27M · loan HK$2.27M · min. income ≈ HK$24,246/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$70,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,407
−HK$778/mo
▼ 0.25% · 3.875%
HK$12,793
−HK$392/mo
Today · 4.125%
HK$13,185
baseline
▲ 0.50% · 4.625%
HK$13,987
+HK$802/mo
Deposit HK$1.81M · loan HK$2.72M · min. income ≈ HK$26,370/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$70,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,802
−HK$746/mo
▼ 0.25% · 3.875%
HK$14,172
−HK$376/mo
Today · 4.125%
HK$14,548
baseline
▲ 0.50% · 4.625%
HK$15,315
+HK$767/mo
Deposit HK$1.81M · loan HK$2.72M · min. income ≈ HK$29,096/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$70,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,474
−HK$908/mo
▼ 0.25% · 3.875%
HK$14,925
−HK$457/mo
Today · 4.125%
HK$15,382
baseline
▲ 0.50% · 4.625%
HK$16,318
+HK$936/mo
Deposit HK$1.36M · loan HK$3.17M · min. income ≈ HK$30,764/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$70,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,103
−HK$870/mo
▼ 0.25% · 3.875%
HK$16,535
−HK$438/mo
Today · 4.125%
HK$16,973
baseline
▲ 0.50% · 4.625%
HK$17,867
+HK$894/mo
Deposit HK$1.36M · loan HK$3.17M · min. income ≈ HK$33,946/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$70,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,610
−HK$1,167/mo
▼ 0.25% · 3.875%
HK$19,189
−HK$588/mo
Today · 4.125%
HK$19,777
baseline
▲ 0.50% · 4.625%
HK$20,980
+HK$1,203/mo
Deposit HK$453K · loan HK$4.08M · min. income ≈ HK$39,554/mo (50% DSR)
Upfront cash ≈ HK$524K (deposit + AVD stamp duty HK$70,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,703
−HK$1,119/mo
▼ 0.25% · 3.875%
HK$21,259
−HK$563/mo
Today · 4.125%
HK$21,822
baseline
▲ 0.50% · 4.625%
HK$22,972
+HK$1,150/mo
Deposit HK$453K · loan HK$4.08M · min. income ≈ HK$43,644/mo (50% DSR)
Upfront cash ≈ HK$524K (deposit + AVD stamp duty HK$70,909 · 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).