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$10,285
−HK$645/mo
▼ 0.25% · 3.875%
HK$10,605
−HK$325/mo
Today · 4.125%
HK$10,930
baseline
▲ 0.50% · 4.625%
HK$11,595
+HK$665/mo
Deposit HK$2.26M · loan HK$2.26M · min. income ≈ HK$21,860/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$68,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,442
−HK$618/mo
▼ 0.25% · 3.875%
HK$11,749
−HK$311/mo
Today · 4.125%
HK$12,060
baseline
▲ 0.50% · 4.625%
HK$12,696
+HK$636/mo
Deposit HK$2.26M · loan HK$2.26M · min. income ≈ HK$24,120/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$68,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,342
−HK$774/mo
▼ 0.25% · 3.875%
HK$12,726
−HK$390/mo
Today · 4.125%
HK$13,116
baseline
▲ 0.50% · 4.625%
HK$13,914
+HK$798/mo
Deposit HK$1.80M · loan HK$2.71M · min. income ≈ HK$26,232/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$68,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,731
−HK$742/mo
▼ 0.25% · 3.875%
HK$14,099
−HK$374/mo
Today · 4.125%
HK$14,473
baseline
▲ 0.50% · 4.625%
HK$15,235
+HK$762/mo
Deposit HK$1.80M · loan HK$2.71M · min. income ≈ HK$28,946/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$68,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,399
−HK$903/mo
▼ 0.25% · 3.875%
HK$14,847
−HK$455/mo
Today · 4.125%
HK$15,302
baseline
▲ 0.50% · 4.625%
HK$16,233
+HK$931/mo
Deposit HK$1.35M · loan HK$3.16M · min. income ≈ HK$30,604/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$68,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,019
−HK$866/mo
▼ 0.25% · 3.875%
HK$16,449
−HK$436/mo
Today · 4.125%
HK$16,885
baseline
▲ 0.50% · 4.625%
HK$17,775
+HK$890/mo
Deposit HK$1.35M · loan HK$3.16M · min. income ≈ HK$33,770/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$68,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,514
−HK$1,160/mo
▼ 0.25% · 3.875%
HK$19,089
−HK$585/mo
Today · 4.125%
HK$19,674
baseline
▲ 0.50% · 4.625%
HK$20,872
+HK$1,198/mo
Deposit HK$451K · loan HK$4.06M · min. income ≈ HK$39,348/mo (50% DSR)
Upfront cash ≈ HK$520K (deposit + AVD stamp duty HK$68,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,596
−HK$1,113/mo
▼ 0.25% · 3.875%
HK$21,148
−HK$561/mo
Today · 4.125%
HK$21,709
baseline
▲ 0.50% · 4.625%
HK$22,853
+HK$1,144/mo
Deposit HK$451K · loan HK$4.06M · min. income ≈ HK$43,418/mo (50% DSR)
Upfront cash ≈ HK$520K (deposit + AVD stamp duty HK$68,558 · 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).