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$10,399
−HK$652/mo
▼ 0.25% · 3.875%
HK$10,722
−HK$329/mo
Today · 4.125%
HK$11,051
baseline
▲ 0.50% · 4.625%
HK$11,723
+HK$672/mo
Deposit HK$2.28M · loan HK$2.28M · min. income ≈ HK$22,102/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$73,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,569
−HK$625/mo
▼ 0.25% · 3.875%
HK$11,879
−HK$315/mo
Today · 4.125%
HK$12,194
baseline
▲ 0.50% · 4.625%
HK$12,836
+HK$642/mo
Deposit HK$2.28M · loan HK$2.28M · min. income ≈ HK$24,388/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$73,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,479
−HK$782/mo
▼ 0.25% · 3.875%
HK$12,867
−HK$394/mo
Today · 4.125%
HK$13,261
baseline
▲ 0.50% · 4.625%
HK$14,068
+HK$807/mo
Deposit HK$1.82M · loan HK$2.74M · min. income ≈ HK$26,522/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$73,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,882
−HK$750/mo
▼ 0.25% · 3.875%
HK$14,255
−HK$377/mo
Today · 4.125%
HK$14,632
baseline
▲ 0.50% · 4.625%
HK$15,404
+HK$772/mo
Deposit HK$1.82M · loan HK$2.74M · min. income ≈ HK$29,264/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$73,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,558
−HK$913/mo
▼ 0.25% · 3.875%
HK$15,011
−HK$460/mo
Today · 4.125%
HK$15,471
baseline
▲ 0.50% · 4.625%
HK$16,413
+HK$942/mo
Deposit HK$1.37M · loan HK$3.19M · min. income ≈ HK$30,942/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$73,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,196
−HK$875/mo
▼ 0.25% · 3.875%
HK$16,631
−HK$440/mo
Today · 4.125%
HK$17,071
baseline
▲ 0.50% · 4.625%
HK$17,971
+HK$900/mo
Deposit HK$1.37M · loan HK$3.19M · min. income ≈ HK$34,142/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$73,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,718
−HK$1,174/mo
▼ 0.25% · 3.875%
HK$19,300
−HK$592/mo
Today · 4.125%
HK$19,892
baseline
▲ 0.50% · 4.625%
HK$21,102
+HK$1,210/mo
Deposit HK$456K · loan HK$4.10M · min. income ≈ HK$39,784/mo (50% DSR)
Upfront cash ≈ HK$530K (deposit + AVD stamp duty HK$73,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,824
−HK$1,125/mo
▼ 0.25% · 3.875%
HK$21,382
−HK$567/mo
Today · 4.125%
HK$21,949
baseline
▲ 0.50% · 4.625%
HK$23,106
+HK$1,157/mo
Deposit HK$456K · loan HK$4.10M · min. income ≈ HK$43,898/mo (50% DSR)
Upfront cash ≈ HK$530K (deposit + AVD stamp duty HK$73,542 · 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).