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$10,196
−HK$640/mo
▼ 0.25% · 3.875%
HK$10,514
−HK$322/mo
Today · 4.125%
HK$10,836
baseline
▲ 0.50% · 4.625%
HK$11,495
+HK$659/mo
Deposit HK$2.24M · loan HK$2.24M · min. income ≈ HK$21,672/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$67,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,343
−HK$613/mo
▼ 0.25% · 3.875%
HK$11,648
−HK$308/mo
Today · 4.125%
HK$11,956
baseline
▲ 0.50% · 4.625%
HK$12,587
+HK$631/mo
Deposit HK$2.24M · loan HK$2.24M · min. income ≈ HK$23,912/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$67,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,236
−HK$767/mo
▼ 0.25% · 3.875%
HK$12,616
−HK$387/mo
Today · 4.125%
HK$13,003
baseline
▲ 0.50% · 4.625%
HK$13,794
+HK$791/mo
Deposit HK$1.79M · loan HK$2.68M · min. income ≈ HK$26,006/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$67,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,612
−HK$736/mo
▼ 0.25% · 3.875%
HK$13,977
−HK$371/mo
Today · 4.125%
HK$14,348
baseline
▲ 0.50% · 4.625%
HK$15,104
+HK$756/mo
Deposit HK$1.79M · loan HK$2.68M · min. income ≈ HK$28,696/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$67,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,275
−HK$895/mo
▼ 0.25% · 3.875%
HK$14,719
−HK$451/mo
Today · 4.125%
HK$15,170
baseline
▲ 0.50% · 4.625%
HK$16,093
+HK$923/mo
Deposit HK$1.34M · loan HK$3.13M · min. income ≈ HK$30,340/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$67,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,881
−HK$858/mo
▼ 0.25% · 3.875%
HK$16,307
−HK$432/mo
Today · 4.125%
HK$16,739
baseline
▲ 0.50% · 4.625%
HK$17,621
+HK$882/mo
Deposit HK$1.34M · loan HK$3.13M · min. income ≈ HK$33,478/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$67,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,354
−HK$1,151/mo
▼ 0.25% · 3.875%
HK$18,924
−HK$581/mo
Today · 4.125%
HK$19,505
baseline
▲ 0.50% · 4.625%
HK$20,691
+HK$1,186/mo
Deposit HK$447K · loan HK$4.02M · min. income ≈ HK$39,010/mo (50% DSR)
Upfront cash ≈ HK$514K (deposit + AVD stamp duty HK$67,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,418
−HK$1,103/mo
▼ 0.25% · 3.875%
HK$20,966
−HK$555/mo
Today · 4.125%
HK$21,521
baseline
▲ 0.50% · 4.625%
HK$22,656
+HK$1,135/mo
Deposit HK$447K · loan HK$4.02M · min. income ≈ HK$43,042/mo (50% DSR)
Upfront cash ≈ HK$514K (deposit + AVD stamp duty HK$67,075 · 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).