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$10,362
−HK$649/mo
▼ 0.25% · 3.875%
HK$10,684
−HK$327/mo
Today · 4.125%
HK$11,011
baseline
▲ 0.50% · 4.625%
HK$11,681
+HK$670/mo
Deposit HK$2.27M · loan HK$2.27M · min. income ≈ HK$22,022/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$71,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,527
−HK$623/mo
▼ 0.25% · 3.875%
HK$11,836
−HK$314/mo
Today · 4.125%
HK$12,150
baseline
▲ 0.50% · 4.625%
HK$12,790
+HK$640/mo
Deposit HK$2.27M · loan HK$2.27M · min. income ≈ HK$24,300/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$71,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,434
−HK$780/mo
▼ 0.25% · 3.875%
HK$12,821
−HK$393/mo
Today · 4.125%
HK$13,214
baseline
▲ 0.50% · 4.625%
HK$14,018
+HK$804/mo
Deposit HK$1.82M · loan HK$2.73M · min. income ≈ HK$26,428/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$71,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,833
−HK$747/mo
▼ 0.25% · 3.875%
HK$14,204
−HK$376/mo
Today · 4.125%
HK$14,580
baseline
▲ 0.50% · 4.625%
HK$15,349
+HK$769/mo
Deposit HK$1.82M · loan HK$2.73M · min. income ≈ HK$29,160/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$71,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,506
−HK$910/mo
▼ 0.25% · 3.875%
HK$14,958
−HK$458/mo
Today · 4.125%
HK$15,416
baseline
▲ 0.50% · 4.625%
HK$16,354
+HK$938/mo
Deposit HK$1.36M · loan HK$3.18M · min. income ≈ HK$30,832/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$71,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,138
−HK$872/mo
▼ 0.25% · 3.875%
HK$16,571
−HK$439/mo
Today · 4.125%
HK$17,010
baseline
▲ 0.50% · 4.625%
HK$17,907
+HK$897/mo
Deposit HK$1.36M · loan HK$3.18M · min. income ≈ HK$34,020/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$71,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,651
−HK$1,170/mo
▼ 0.25% · 3.875%
HK$19,231
−HK$590/mo
Today · 4.125%
HK$19,821
baseline
▲ 0.50% · 4.625%
HK$21,027
+HK$1,206/mo
Deposit HK$454K · loan HK$4.09M · min. income ≈ HK$39,642/mo (50% DSR)
Upfront cash ≈ HK$526K (deposit + AVD stamp duty HK$71,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,749
−HK$1,121/mo
▼ 0.25% · 3.875%
HK$21,305
−HK$565/mo
Today · 4.125%
HK$21,870
baseline
▲ 0.50% · 4.625%
HK$23,023
+HK$1,153/mo
Deposit HK$454K · loan HK$4.09M · min. income ≈ HK$43,740/mo (50% DSR)
Upfront cash ≈ HK$526K (deposit + AVD stamp duty HK$71,907 · 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).