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$10,178
−HK$638/mo
▼ 0.25% · 3.875%
HK$10,495
−HK$321/mo
Today · 4.125%
HK$10,816
baseline
▲ 0.50% · 4.625%
HK$11,474
+HK$658/mo
Deposit HK$2.23M · loan HK$2.23M · min. income ≈ HK$21,632/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$66,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,323
−HK$612/mo
▼ 0.25% · 3.875%
HK$11,627
−HK$308/mo
Today · 4.125%
HK$11,935
baseline
▲ 0.50% · 4.625%
HK$12,564
+HK$629/mo
Deposit HK$2.23M · loan HK$2.23M · min. income ≈ HK$23,870/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$66,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,214
−HK$765/mo
▼ 0.25% · 3.875%
HK$12,593
−HK$386/mo
Today · 4.125%
HK$12,979
baseline
▲ 0.50% · 4.625%
HK$13,769
+HK$790/mo
Deposit HK$1.79M · loan HK$2.68M · min. income ≈ HK$25,958/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$66,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,587
−HK$735/mo
▼ 0.25% · 3.875%
HK$13,952
−HK$370/mo
Today · 4.125%
HK$14,322
baseline
▲ 0.50% · 4.625%
HK$15,076
+HK$754/mo
Deposit HK$1.79M · loan HK$2.68M · min. income ≈ HK$28,644/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$66,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,249
−HK$894/mo
▼ 0.25% · 3.875%
HK$14,692
−HK$451/mo
Today · 4.125%
HK$15,143
baseline
▲ 0.50% · 4.625%
HK$16,064
+HK$921/mo
Deposit HK$1.34M · loan HK$3.12M · min. income ≈ HK$30,286/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$66,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,852
−HK$857/mo
▼ 0.25% · 3.875%
HK$16,277
−HK$432/mo
Today · 4.125%
HK$16,709
baseline
▲ 0.50% · 4.625%
HK$17,589
+HK$880/mo
Deposit HK$1.34M · loan HK$3.12M · min. income ≈ HK$33,418/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$66,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,320
−HK$1,149/mo
▼ 0.25% · 3.875%
HK$18,890
−HK$579/mo
Today · 4.125%
HK$19,469
baseline
▲ 0.50% · 4.625%
HK$20,654
+HK$1,185/mo
Deposit HK$446K · loan HK$4.02M · min. income ≈ HK$38,938/mo (50% DSR)
Upfront cash ≈ HK$513K (deposit + AVD stamp duty HK$66,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,381
−HK$1,101/mo
▼ 0.25% · 3.875%
HK$20,928
−HK$554/mo
Today · 4.125%
HK$21,482
baseline
▲ 0.50% · 4.625%
HK$22,615
+HK$1,133/mo
Deposit HK$446K · loan HK$4.02M · min. income ≈ HK$42,964/mo (50% DSR)
Upfront cash ≈ HK$513K (deposit + AVD stamp duty HK$66,953 · 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).