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$10,438
−HK$655/mo
▼ 0.25% · 3.875%
HK$10,763
−HK$330/mo
Today · 4.125%
HK$11,093
baseline
▲ 0.50% · 4.625%
HK$11,768
+HK$675/mo
Deposit HK$2.29M · loan HK$2.29M · min. income ≈ HK$22,186/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$75,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,612
−HK$628/mo
▼ 0.25% · 3.875%
HK$11,924
−HK$316/mo
Today · 4.125%
HK$12,240
baseline
▲ 0.50% · 4.625%
HK$12,885
+HK$645/mo
Deposit HK$2.29M · loan HK$2.29M · min. income ≈ HK$24,480/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$75,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,526
−HK$785/mo
▼ 0.25% · 3.875%
HK$12,915
−HK$396/mo
Today · 4.125%
HK$13,311
baseline
▲ 0.50% · 4.625%
HK$14,121
+HK$810/mo
Deposit HK$1.83M · loan HK$2.75M · min. income ≈ HK$26,622/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$75,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,935
−HK$753/mo
▼ 0.25% · 3.875%
HK$14,309
−HK$379/mo
Today · 4.125%
HK$14,688
baseline
▲ 0.50% · 4.625%
HK$15,462
+HK$774/mo
Deposit HK$1.83M · loan HK$2.75M · min. income ≈ HK$29,376/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$75,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,614
−HK$916/mo
▼ 0.25% · 3.875%
HK$15,068
−HK$462/mo
Today · 4.125%
HK$15,530
baseline
▲ 0.50% · 4.625%
HK$16,475
+HK$945/mo
Deposit HK$1.37M · loan HK$3.20M · min. income ≈ HK$31,060/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$75,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,257
−HK$879/mo
▼ 0.25% · 3.875%
HK$16,693
−HK$443/mo
Today · 4.125%
HK$17,136
baseline
▲ 0.50% · 4.625%
HK$18,039
+HK$903/mo
Deposit HK$1.37M · loan HK$3.20M · min. income ≈ HK$34,272/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$75,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,789
−HK$1,178/mo
▼ 0.25% · 3.875%
HK$19,373
−HK$594/mo
Today · 4.125%
HK$19,967
baseline
▲ 0.50% · 4.625%
HK$21,182
+HK$1,215/mo
Deposit HK$458K · loan HK$4.12M · min. income ≈ HK$39,934/mo (50% DSR)
Upfront cash ≈ HK$533K (deposit + AVD stamp duty HK$75,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,902
−HK$1,130/mo
▼ 0.25% · 3.875%
HK$21,463
−HK$569/mo
Today · 4.125%
HK$22,032
baseline
▲ 0.50% · 4.625%
HK$23,193
+HK$1,161/mo
Deposit HK$458K · loan HK$4.12M · min. income ≈ HK$44,064/mo (50% DSR)
Upfront cash ≈ HK$533K (deposit + AVD stamp duty HK$75,266 · 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).