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$10,225
−HK$641/mo
▼ 0.25% · 3.875%
HK$10,543
−HK$323/mo
Today · 4.125%
HK$10,866
baseline
▲ 0.50% · 4.625%
HK$11,527
+HK$661/mo
Deposit HK$2.24M · loan HK$2.24M · min. income ≈ HK$21,732/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$67,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,375
−HK$615/mo
▼ 0.25% · 3.875%
HK$11,680
−HK$310/mo
Today · 4.125%
HK$11,990
baseline
▲ 0.50% · 4.625%
HK$12,622
+HK$632/mo
Deposit HK$2.24M · loan HK$2.24M · min. income ≈ HK$23,980/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$67,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,270
−HK$769/mo
▼ 0.25% · 3.875%
HK$12,652
−HK$387/mo
Today · 4.125%
HK$13,039
baseline
▲ 0.50% · 4.625%
HK$13,833
+HK$794/mo
Deposit HK$1.79M · loan HK$2.69M · min. income ≈ HK$26,078/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$67,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,650
−HK$738/mo
▼ 0.25% · 3.875%
HK$14,016
−HK$372/mo
Today · 4.125%
HK$14,388
baseline
▲ 0.50% · 4.625%
HK$15,146
+HK$758/mo
Deposit HK$1.79M · loan HK$2.69M · min. income ≈ HK$28,776/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$67,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,315
−HK$898/mo
▼ 0.25% · 3.875%
HK$14,760
−HK$453/mo
Today · 4.125%
HK$15,213
baseline
▲ 0.50% · 4.625%
HK$16,138
+HK$925/mo
Deposit HK$1.35M · loan HK$3.14M · min. income ≈ HK$30,426/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$67,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,925
−HK$861/mo
▼ 0.25% · 3.875%
HK$16,352
−HK$434/mo
Today · 4.125%
HK$16,786
baseline
▲ 0.50% · 4.625%
HK$17,670
+HK$884/mo
Deposit HK$1.35M · loan HK$3.14M · min. income ≈ HK$33,572/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$67,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,405
−HK$1,154/mo
▼ 0.25% · 3.875%
HK$18,977
−HK$582/mo
Today · 4.125%
HK$19,559
baseline
▲ 0.50% · 4.625%
HK$20,749
+HK$1,190/mo
Deposit HK$448K · loan HK$4.04M · min. income ≈ HK$39,118/mo (50% DSR)
Upfront cash ≈ HK$516K (deposit + AVD stamp duty HK$67,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,475
−HK$1,107/mo
▼ 0.25% · 3.875%
HK$21,025
−HK$557/mo
Today · 4.125%
HK$21,582
baseline
▲ 0.50% · 4.625%
HK$22,719
+HK$1,137/mo
Deposit HK$448K · loan HK$4.04M · min. income ≈ HK$43,164/mo (50% DSR)
Upfront cash ≈ HK$516K (deposit + AVD stamp duty HK$67,263 · 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).