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$10,431
−HK$654/mo
▼ 0.25% · 3.875%
HK$10,755
−HK$330/mo
Today · 4.125%
HK$11,085
baseline
▲ 0.50% · 4.625%
HK$11,759
+HK$674/mo
Deposit HK$2.29M · loan HK$2.29M · min. income ≈ HK$22,170/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$74,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,604
−HK$627/mo
▼ 0.25% · 3.875%
HK$11,915
−HK$316/mo
Today · 4.125%
HK$12,231
baseline
▲ 0.50% · 4.625%
HK$12,876
+HK$645/mo
Deposit HK$2.29M · loan HK$2.29M · min. income ≈ HK$24,462/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$74,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,517
−HK$785/mo
▼ 0.25% · 3.875%
HK$12,906
−HK$396/mo
Today · 4.125%
HK$13,302
baseline
▲ 0.50% · 4.625%
HK$14,111
+HK$809/mo
Deposit HK$1.83M · loan HK$2.74M · min. income ≈ HK$26,604/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$74,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,925
−HK$752/mo
▼ 0.25% · 3.875%
HK$14,298
−HK$379/mo
Today · 4.125%
HK$14,677
baseline
▲ 0.50% · 4.625%
HK$15,451
+HK$774/mo
Deposit HK$1.83M · loan HK$2.74M · min. income ≈ HK$29,354/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$74,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,603
−HK$916/mo
▼ 0.25% · 3.875%
HK$15,057
−HK$462/mo
Today · 4.125%
HK$15,519
baseline
▲ 0.50% · 4.625%
HK$16,463
+HK$944/mo
Deposit HK$1.37M · loan HK$3.20M · min. income ≈ HK$31,038/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$74,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,246
−HK$877/mo
▼ 0.25% · 3.875%
HK$16,681
−HK$442/mo
Today · 4.125%
HK$17,123
baseline
▲ 0.50% · 4.625%
HK$18,026
+HK$903/mo
Deposit HK$1.37M · loan HK$3.20M · min. income ≈ HK$34,246/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$74,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,775
−HK$1,178/mo
▼ 0.25% · 3.875%
HK$19,359
−HK$594/mo
Today · 4.125%
HK$19,953
baseline
▲ 0.50% · 4.625%
HK$21,167
+HK$1,214/mo
Deposit HK$457K · loan HK$4.12M · min. income ≈ HK$39,906/mo (50% DSR)
Upfront cash ≈ HK$532K (deposit + AVD stamp duty HK$74,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,887
−HK$1,129/mo
▼ 0.25% · 3.875%
HK$21,448
−HK$568/mo
Today · 4.125%
HK$22,016
baseline
▲ 0.50% · 4.625%
HK$23,176
+HK$1,160/mo
Deposit HK$457K · loan HK$4.12M · min. income ≈ HK$44,032/mo (50% DSR)
Upfront cash ≈ HK$532K (deposit + AVD stamp duty HK$74,937 · 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).