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$10,310
−HK$647/mo
▼ 0.25% · 3.875%
HK$10,631
−HK$326/mo
Today · 4.125%
HK$10,957
baseline
▲ 0.50% · 4.625%
HK$11,623
+HK$666/mo
Deposit HK$2.26M · loan HK$2.26M · min. income ≈ HK$21,914/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$69,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,470
−HK$620/mo
▼ 0.25% · 3.875%
HK$11,778
−HK$312/mo
Today · 4.125%
HK$12,090
baseline
▲ 0.50% · 4.625%
HK$12,727
+HK$637/mo
Deposit HK$2.26M · loan HK$2.26M · min. income ≈ HK$24,180/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$69,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,372
−HK$776/mo
▼ 0.25% · 3.875%
HK$12,757
−HK$391/mo
Today · 4.125%
HK$13,148
baseline
▲ 0.50% · 4.625%
HK$13,948
+HK$800/mo
Deposit HK$1.81M · loan HK$2.71M · min. income ≈ HK$26,296/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$69,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,764
−HK$744/mo
▼ 0.25% · 3.875%
HK$14,133
−HK$375/mo
Today · 4.125%
HK$14,508
baseline
▲ 0.50% · 4.625%
HK$15,272
+HK$764/mo
Deposit HK$1.81M · loan HK$2.71M · min. income ≈ HK$29,016/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$69,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,434
−HK$905/mo
▼ 0.25% · 3.875%
HK$14,883
−HK$456/mo
Today · 4.125%
HK$15,339
baseline
▲ 0.50% · 4.625%
HK$16,273
+HK$934/mo
Deposit HK$1.36M · loan HK$3.17M · min. income ≈ HK$30,678/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$69,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,058
−HK$867/mo
▼ 0.25% · 3.875%
HK$16,489
−HK$436/mo
Today · 4.125%
HK$16,925
baseline
▲ 0.50% · 4.625%
HK$17,818
+HK$893/mo
Deposit HK$1.36M · loan HK$3.17M · min. income ≈ HK$33,850/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$69,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,558
−HK$1,164/mo
▼ 0.25% · 3.875%
HK$19,136
−HK$586/mo
Today · 4.125%
HK$19,722
baseline
▲ 0.50% · 4.625%
HK$20,922
+HK$1,200/mo
Deposit HK$452K · loan HK$4.07M · min. income ≈ HK$39,444/mo (50% DSR)
Upfront cash ≈ HK$522K (deposit + AVD stamp duty HK$69,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,646
−HK$1,115/mo
▼ 0.25% · 3.875%
HK$21,200
−HK$561/mo
Today · 4.125%
HK$21,761
baseline
▲ 0.50% · 4.625%
HK$22,908
+HK$1,147/mo
Deposit HK$452K · loan HK$4.07M · min. income ≈ HK$43,522/mo (50% DSR)
Upfront cash ≈ HK$522K (deposit + AVD stamp duty HK$69,648 · 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).