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$10,326
−HK$648/mo
▼ 0.25% · 3.875%
HK$10,647
−HK$327/mo
Today · 4.125%
HK$10,974
baseline
▲ 0.50% · 4.625%
HK$11,641
+HK$667/mo
Deposit HK$2.26M · loan HK$2.26M · min. income ≈ HK$21,948/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$70,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,488
−HK$620/mo
▼ 0.25% · 3.875%
HK$11,796
−HK$312/mo
Today · 4.125%
HK$12,108
baseline
▲ 0.50% · 4.625%
HK$12,747
+HK$639/mo
Deposit HK$2.26M · loan HK$2.26M · min. income ≈ HK$24,216/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$70,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,391
−HK$777/mo
▼ 0.25% · 3.875%
HK$12,777
−HK$391/mo
Today · 4.125%
HK$13,168
baseline
▲ 0.50% · 4.625%
HK$13,970
+HK$802/mo
Deposit HK$1.81M · loan HK$2.72M · min. income ≈ HK$26,336/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$70,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,785
−HK$745/mo
▼ 0.25% · 3.875%
HK$14,155
−HK$375/mo
Today · 4.125%
HK$14,530
baseline
▲ 0.50% · 4.625%
HK$15,296
+HK$766/mo
Deposit HK$1.81M · loan HK$2.72M · min. income ≈ HK$29,060/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$70,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,457
−HK$906/mo
▼ 0.25% · 3.875%
HK$14,906
−HK$457/mo
Today · 4.125%
HK$15,363
baseline
▲ 0.50% · 4.625%
HK$16,298
+HK$935/mo
Deposit HK$1.36M · loan HK$3.17M · min. income ≈ HK$30,726/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$70,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,083
−HK$869/mo
▼ 0.25% · 3.875%
HK$16,514
−HK$438/mo
Today · 4.125%
HK$16,952
baseline
▲ 0.50% · 4.625%
HK$17,845
+HK$893/mo
Deposit HK$1.36M · loan HK$3.17M · min. income ≈ HK$33,904/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$70,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,587
−HK$1,166/mo
▼ 0.25% · 3.875%
HK$19,165
−HK$588/mo
Today · 4.125%
HK$19,753
baseline
▲ 0.50% · 4.625%
HK$20,955
+HK$1,202/mo
Deposit HK$453K · loan HK$4.08M · min. income ≈ HK$39,506/mo (50% DSR)
Upfront cash ≈ HK$523K (deposit + AVD stamp duty HK$70,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,678
−HK$1,117/mo
▼ 0.25% · 3.875%
HK$21,233
−HK$562/mo
Today · 4.125%
HK$21,795
baseline
▲ 0.50% · 4.625%
HK$22,944
+HK$1,149/mo
Deposit HK$453K · loan HK$4.08M · min. income ≈ HK$43,590/mo (50% DSR)
Upfront cash ≈ HK$523K (deposit + AVD stamp duty HK$70,351 · 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).