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$10,293
−HK$645/mo
▼ 0.25% · 3.875%
HK$10,613
−HK$325/mo
Today · 4.125%
HK$10,938
baseline
▲ 0.50% · 4.625%
HK$11,603
+HK$665/mo
Deposit HK$2.26M · loan HK$2.26M · min. income ≈ HK$21,876/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$68,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,450
−HK$619/mo
▼ 0.25% · 3.875%
HK$11,757
−HK$312/mo
Today · 4.125%
HK$12,069
baseline
▲ 0.50% · 4.625%
HK$12,705
+HK$636/mo
Deposit HK$2.26M · loan HK$2.26M · min. income ≈ HK$24,138/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$68,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,351
−HK$775/mo
▼ 0.25% · 3.875%
HK$12,735
−HK$391/mo
Today · 4.125%
HK$13,126
baseline
▲ 0.50% · 4.625%
HK$13,924
+HK$798/mo
Deposit HK$1.81M · loan HK$2.71M · min. income ≈ HK$26,252/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$68,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,740
−HK$743/mo
▼ 0.25% · 3.875%
HK$14,109
−HK$374/mo
Today · 4.125%
HK$14,483
baseline
▲ 0.50% · 4.625%
HK$15,246
+HK$763/mo
Deposit HK$1.81M · loan HK$2.71M · min. income ≈ HK$28,966/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$68,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,410
−HK$903/mo
▼ 0.25% · 3.875%
HK$14,858
−HK$455/mo
Today · 4.125%
HK$15,313
baseline
▲ 0.50% · 4.625%
HK$16,245
+HK$932/mo
Deposit HK$1.35M · loan HK$3.16M · min. income ≈ HK$30,626/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$68,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,030
−HK$867/mo
▼ 0.25% · 3.875%
HK$16,460
−HK$437/mo
Today · 4.125%
HK$16,897
baseline
▲ 0.50% · 4.625%
HK$17,787
+HK$890/mo
Deposit HK$1.35M · loan HK$3.16M · min. income ≈ HK$33,794/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$68,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,527
−HK$1,161/mo
▼ 0.25% · 3.875%
HK$19,103
−HK$585/mo
Today · 4.125%
HK$19,688
baseline
▲ 0.50% · 4.625%
HK$20,886
+HK$1,198/mo
Deposit HK$451K · loan HK$4.06M · min. income ≈ HK$39,376/mo (50% DSR)
Upfront cash ≈ HK$520K (deposit + AVD stamp duty HK$68,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,611
−HK$1,113/mo
▼ 0.25% · 3.875%
HK$21,163
−HK$561/mo
Today · 4.125%
HK$21,724
baseline
▲ 0.50% · 4.625%
HK$22,869
+HK$1,145/mo
Deposit HK$451K · loan HK$4.06M · min. income ≈ HK$43,448/mo (50% DSR)
Upfront cash ≈ HK$520K (deposit + AVD stamp duty HK$68,875 · 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).