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$10,423
−HK$653/mo
▼ 0.25% · 3.875%
HK$10,747
−HK$329/mo
Today · 4.125%
HK$11,076
baseline
▲ 0.50% · 4.625%
HK$11,750
+HK$674/mo
Deposit HK$2.29M · loan HK$2.29M · min. income ≈ HK$22,152/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$74,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,595
−HK$626/mo
▼ 0.25% · 3.875%
HK$11,906
−HK$315/mo
Today · 4.125%
HK$12,221
baseline
▲ 0.50% · 4.625%
HK$12,866
+HK$645/mo
Deposit HK$2.29M · loan HK$2.29M · min. income ≈ HK$24,442/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$74,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,507
−HK$784/mo
▼ 0.25% · 3.875%
HK$12,896
−HK$395/mo
Today · 4.125%
HK$13,291
baseline
▲ 0.50% · 4.625%
HK$14,100
+HK$809/mo
Deposit HK$1.83M · loan HK$2.74M · min. income ≈ HK$26,582/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$74,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,914
−HK$752/mo
▼ 0.25% · 3.875%
HK$14,287
−HK$379/mo
Today · 4.125%
HK$14,666
baseline
▲ 0.50% · 4.625%
HK$15,439
+HK$773/mo
Deposit HK$1.83M · loan HK$2.74M · min. income ≈ HK$29,332/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$74,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,592
−HK$915/mo
▼ 0.25% · 3.875%
HK$15,045
−HK$462/mo
Today · 4.125%
HK$15,507
baseline
▲ 0.50% · 4.625%
HK$16,450
+HK$943/mo
Deposit HK$1.37M · loan HK$3.20M · min. income ≈ HK$31,014/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$74,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,233
−HK$877/mo
▼ 0.25% · 3.875%
HK$16,668
−HK$442/mo
Today · 4.125%
HK$17,110
baseline
▲ 0.50% · 4.625%
HK$18,012
+HK$902/mo
Deposit HK$1.37M · loan HK$3.20M · min. income ≈ HK$34,220/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$74,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,761
−HK$1,176/mo
▼ 0.25% · 3.875%
HK$19,344
−HK$593/mo
Today · 4.125%
HK$19,937
baseline
▲ 0.50% · 4.625%
HK$21,150
+HK$1,213/mo
Deposit HK$457K · loan HK$4.11M · min. income ≈ HK$39,874/mo (50% DSR)
Upfront cash ≈ HK$532K (deposit + AVD stamp duty HK$74,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,871
−HK$1,128/mo
▼ 0.25% · 3.875%
HK$21,431
−HK$568/mo
Today · 4.125%
HK$21,999
baseline
▲ 0.50% · 4.625%
HK$23,158
+HK$1,159/mo
Deposit HK$457K · loan HK$4.11M · min. income ≈ HK$43,998/mo (50% DSR)
Upfront cash ≈ HK$532K (deposit + AVD stamp duty HK$74,579 · 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).