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$10,161
−HK$637/mo
▼ 0.25% · 3.875%
HK$10,477
−HK$321/mo
Today · 4.125%
HK$10,798
baseline
▲ 0.50% · 4.625%
HK$11,455
+HK$657/mo
Deposit HK$2.23M · loan HK$2.23M · min. income ≈ HK$21,596/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$66,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,304
−HK$610/mo
▼ 0.25% · 3.875%
HK$11,607
−HK$307/mo
Today · 4.125%
HK$11,914
baseline
▲ 0.50% · 4.625%
HK$12,542
+HK$628/mo
Deposit HK$2.23M · loan HK$2.23M · min. income ≈ HK$23,828/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$66,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,193
−HK$764/mo
▼ 0.25% · 3.875%
HK$12,572
−HK$385/mo
Today · 4.125%
HK$12,957
baseline
▲ 0.50% · 4.625%
HK$13,746
+HK$789/mo
Deposit HK$1.78M · loan HK$2.67M · min. income ≈ HK$25,914/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$66,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,564
−HK$733/mo
▼ 0.25% · 3.875%
HK$13,928
−HK$369/mo
Today · 4.125%
HK$14,297
baseline
▲ 0.50% · 4.625%
HK$15,051
+HK$754/mo
Deposit HK$1.78M · loan HK$2.67M · min. income ≈ HK$28,594/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$66,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,225
−HK$892/mo
▼ 0.25% · 3.875%
HK$14,667
−HK$450/mo
Today · 4.125%
HK$15,117
baseline
▲ 0.50% · 4.625%
HK$16,037
+HK$920/mo
Deposit HK$1.34M · loan HK$3.12M · min. income ≈ HK$30,234/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$66,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,825
−HK$855/mo
▼ 0.25% · 3.875%
HK$16,249
−HK$431/mo
Today · 4.125%
HK$16,680
baseline
▲ 0.50% · 4.625%
HK$17,559
+HK$879/mo
Deposit HK$1.34M · loan HK$3.12M · min. income ≈ HK$33,360/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$66,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,289
−HK$1,147/mo
▼ 0.25% · 3.875%
HK$18,858
−HK$578/mo
Today · 4.125%
HK$19,436
baseline
▲ 0.50% · 4.625%
HK$20,618
+HK$1,182/mo
Deposit HK$446K · loan HK$4.01M · min. income ≈ HK$38,872/mo (50% DSR)
Upfront cash ≈ HK$512K (deposit + AVD stamp duty HK$66,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,346
−HK$1,100/mo
▼ 0.25% · 3.875%
HK$20,892
−HK$554/mo
Today · 4.125%
HK$21,446
baseline
▲ 0.50% · 4.625%
HK$22,576
+HK$1,130/mo
Deposit HK$446K · loan HK$4.01M · min. income ≈ HK$42,892/mo (50% DSR)
Upfront cash ≈ HK$512K (deposit + AVD stamp duty HK$66,839 · 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).