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$10,295
−HK$646/mo
▼ 0.25% · 3.875%
HK$10,615
−HK$326/mo
Today · 4.125%
HK$10,941
baseline
▲ 0.50% · 4.625%
HK$11,606
+HK$665/mo
Deposit HK$2.26M · loan HK$2.26M · min. income ≈ HK$21,882/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$68,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,453
−HK$619/mo
▼ 0.25% · 3.875%
HK$11,760
−HK$312/mo
Today · 4.125%
HK$12,072
baseline
▲ 0.50% · 4.625%
HK$12,708
+HK$636/mo
Deposit HK$2.26M · loan HK$2.26M · min. income ≈ HK$24,144/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$68,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,354
−HK$775/mo
▼ 0.25% · 3.875%
HK$12,738
−HK$391/mo
Today · 4.125%
HK$13,129
baseline
▲ 0.50% · 4.625%
HK$13,928
+HK$799/mo
Deposit HK$1.81M · loan HK$2.71M · min. income ≈ HK$26,258/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$68,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,744
−HK$742/mo
▼ 0.25% · 3.875%
HK$14,112
−HK$374/mo
Today · 4.125%
HK$14,486
baseline
▲ 0.50% · 4.625%
HK$15,250
+HK$764/mo
Deposit HK$1.81M · loan HK$2.71M · min. income ≈ HK$28,972/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$68,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,413
−HK$904/mo
▼ 0.25% · 3.875%
HK$14,861
−HK$456/mo
Today · 4.125%
HK$15,317
baseline
▲ 0.50% · 4.625%
HK$16,249
+HK$932/mo
Deposit HK$1.35M · loan HK$3.16M · min. income ≈ HK$30,634/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$68,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,034
−HK$867/mo
▼ 0.25% · 3.875%
HK$16,465
−HK$436/mo
Today · 4.125%
HK$16,901
baseline
▲ 0.50% · 4.625%
HK$17,792
+HK$891/mo
Deposit HK$1.35M · loan HK$3.16M · min. income ≈ HK$33,802/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$68,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,531
−HK$1,162/mo
▼ 0.25% · 3.875%
HK$19,108
−HK$585/mo
Today · 4.125%
HK$19,693
baseline
▲ 0.50% · 4.625%
HK$20,892
+HK$1,199/mo
Deposit HK$451K · loan HK$4.06M · min. income ≈ HK$39,386/mo (50% DSR)
Upfront cash ≈ HK$520K (deposit + AVD stamp duty HK$68,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,616
−HK$1,114/mo
▼ 0.25% · 3.875%
HK$21,169
−HK$561/mo
Today · 4.125%
HK$21,730
baseline
▲ 0.50% · 4.625%
HK$22,875
+HK$1,145/mo
Deposit HK$451K · loan HK$4.06M · min. income ≈ HK$43,460/mo (50% DSR)
Upfront cash ≈ HK$520K (deposit + AVD stamp duty HK$68,989 · 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).