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$10,170
−HK$638/mo
▼ 0.25% · 3.875%
HK$10,486
−HK$322/mo
Today · 4.125%
HK$10,808
baseline
▲ 0.50% · 4.625%
HK$11,465
+HK$657/mo
Deposit HK$2.23M · loan HK$2.23M · min. income ≈ HK$21,616/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$66,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,314
−HK$611/mo
▼ 0.25% · 3.875%
HK$11,617
−HK$308/mo
Today · 4.125%
HK$11,925
baseline
▲ 0.50% · 4.625%
HK$12,554
+HK$629/mo
Deposit HK$2.23M · loan HK$2.23M · min. income ≈ HK$23,850/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$66,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,204
−HK$765/mo
▼ 0.25% · 3.875%
HK$12,583
−HK$386/mo
Today · 4.125%
HK$12,969
baseline
▲ 0.50% · 4.625%
HK$13,758
+HK$789/mo
Deposit HK$1.78M · loan HK$2.68M · min. income ≈ HK$25,938/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$66,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,577
−HK$733/mo
▼ 0.25% · 3.875%
HK$13,941
−HK$369/mo
Today · 4.125%
HK$14,310
baseline
▲ 0.50% · 4.625%
HK$15,064
+HK$754/mo
Deposit HK$1.78M · loan HK$2.68M · min. income ≈ HK$28,620/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$66,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,238
−HK$893/mo
▼ 0.25% · 3.875%
HK$14,681
−HK$450/mo
Today · 4.125%
HK$15,131
baseline
▲ 0.50% · 4.625%
HK$16,051
+HK$920/mo
Deposit HK$1.34M · loan HK$3.12M · min. income ≈ HK$30,262/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$66,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,839
−HK$856/mo
▼ 0.25% · 3.875%
HK$16,264
−HK$431/mo
Today · 4.125%
HK$16,695
baseline
▲ 0.50% · 4.625%
HK$17,575
+HK$880/mo
Deposit HK$1.34M · loan HK$3.12M · min. income ≈ HK$33,390/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$66,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,306
−HK$1,148/mo
▼ 0.25% · 3.875%
HK$18,875
−HK$579/mo
Today · 4.125%
HK$19,454
baseline
▲ 0.50% · 4.625%
HK$20,637
+HK$1,183/mo
Deposit HK$446K · loan HK$4.01M · min. income ≈ HK$38,908/mo (50% DSR)
Upfront cash ≈ HK$513K (deposit + AVD stamp duty HK$66,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,365
−HK$1,100/mo
▼ 0.25% · 3.875%
HK$20,911
−HK$554/mo
Today · 4.125%
HK$21,465
baseline
▲ 0.50% · 4.625%
HK$22,596
+HK$1,131/mo
Deposit HK$446K · loan HK$4.01M · min. income ≈ HK$42,930/mo (50% DSR)
Upfront cash ≈ HK$513K (deposit + AVD stamp duty HK$66,899 · 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).