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$10,415
−HK$653/mo
▼ 0.25% · 3.875%
HK$10,739
−HK$329/mo
Today · 4.125%
HK$11,068
baseline
▲ 0.50% · 4.625%
HK$11,742
+HK$674/mo
Deposit HK$2.28M · loan HK$2.28M · min. income ≈ HK$22,136/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$74,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,587
−HK$626/mo
▼ 0.25% · 3.875%
HK$11,898
−HK$315/mo
Today · 4.125%
HK$12,213
baseline
▲ 0.50% · 4.625%
HK$12,857
+HK$644/mo
Deposit HK$2.28M · loan HK$2.28M · min. income ≈ HK$24,426/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$74,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,498
−HK$784/mo
▼ 0.25% · 3.875%
HK$12,887
−HK$395/mo
Today · 4.125%
HK$13,282
baseline
▲ 0.50% · 4.625%
HK$14,090
+HK$808/mo
Deposit HK$1.83M · loan HK$2.74M · min. income ≈ HK$26,564/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$74,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,904
−HK$752/mo
▼ 0.25% · 3.875%
HK$14,277
−HK$379/mo
Today · 4.125%
HK$14,656
baseline
▲ 0.50% · 4.625%
HK$15,428
+HK$772/mo
Deposit HK$1.83M · loan HK$2.74M · min. income ≈ HK$29,312/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$74,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,581
−HK$915/mo
▼ 0.25% · 3.875%
HK$15,035
−HK$461/mo
Today · 4.125%
HK$15,496
baseline
▲ 0.50% · 4.625%
HK$16,439
+HK$943/mo
Deposit HK$1.37M · loan HK$3.20M · min. income ≈ HK$30,992/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$74,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,222
−HK$876/mo
▼ 0.25% · 3.875%
HK$16,657
−HK$441/mo
Today · 4.125%
HK$17,098
baseline
▲ 0.50% · 4.625%
HK$17,999
+HK$901/mo
Deposit HK$1.37M · loan HK$3.20M · min. income ≈ HK$34,196/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$74,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,748
−HK$1,175/mo
▼ 0.25% · 3.875%
HK$19,331
−HK$592/mo
Today · 4.125%
HK$19,923
baseline
▲ 0.50% · 4.625%
HK$21,136
+HK$1,213/mo
Deposit HK$457K · loan HK$4.11M · min. income ≈ HK$39,846/mo (50% DSR)
Upfront cash ≈ HK$531K (deposit + AVD stamp duty HK$74,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,857
−HK$1,126/mo
▼ 0.25% · 3.875%
HK$21,416
−HK$567/mo
Today · 4.125%
HK$21,983
baseline
▲ 0.50% · 4.625%
HK$23,142
+HK$1,159/mo
Deposit HK$457K · loan HK$4.11M · min. income ≈ HK$43,966/mo (50% DSR)
Upfront cash ≈ HK$531K (deposit + AVD stamp duty HK$74,262 · 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).