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$10,449
−HK$656/mo
▼ 0.25% · 3.875%
HK$10,775
−HK$330/mo
Today · 4.125%
HK$11,105
baseline
▲ 0.50% · 4.625%
HK$11,780
+HK$675/mo
Deposit HK$2.29M · loan HK$2.29M · min. income ≈ HK$22,210/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$75,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,625
−HK$628/mo
▼ 0.25% · 3.875%
HK$11,937
−HK$316/mo
Today · 4.125%
HK$12,253
baseline
▲ 0.50% · 4.625%
HK$12,899
+HK$646/mo
Deposit HK$2.29M · loan HK$2.29M · min. income ≈ HK$24,506/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$75,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,539
−HK$787/mo
▼ 0.25% · 3.875%
HK$12,929
−HK$397/mo
Today · 4.125%
HK$13,326
baseline
▲ 0.50% · 4.625%
HK$14,137
+HK$811/mo
Deposit HK$1.83M · loan HK$2.75M · min. income ≈ HK$26,652/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$75,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,950
−HK$754/mo
▼ 0.25% · 3.875%
HK$14,324
−HK$380/mo
Today · 4.125%
HK$14,704
baseline
▲ 0.50% · 4.625%
HK$15,479
+HK$775/mo
Deposit HK$1.83M · loan HK$2.75M · min. income ≈ HK$29,408/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$75,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,629
−HK$918/mo
▼ 0.25% · 3.875%
HK$15,084
−HK$463/mo
Today · 4.125%
HK$15,547
baseline
▲ 0.50% · 4.625%
HK$16,493
+HK$946/mo
Deposit HK$1.37M · loan HK$3.21M · min. income ≈ HK$31,094/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$75,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,275
−HK$879/mo
▼ 0.25% · 3.875%
HK$16,711
−HK$443/mo
Today · 4.125%
HK$17,154
baseline
▲ 0.50% · 4.625%
HK$18,058
+HK$904/mo
Deposit HK$1.37M · loan HK$3.21M · min. income ≈ HK$34,308/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$75,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,809
−HK$1,180/mo
▼ 0.25% · 3.875%
HK$19,394
−HK$595/mo
Today · 4.125%
HK$19,989
baseline
▲ 0.50% · 4.625%
HK$21,205
+HK$1,216/mo
Deposit HK$458K · loan HK$4.12M · min. income ≈ HK$39,978/mo (50% DSR)
Upfront cash ≈ HK$534K (deposit + AVD stamp duty HK$75,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,925
−HK$1,130/mo
▼ 0.25% · 3.875%
HK$21,486
−HK$569/mo
Today · 4.125%
HK$22,055
baseline
▲ 0.50% · 4.625%
HK$23,218
+HK$1,163/mo
Deposit HK$458K · loan HK$4.12M · min. income ≈ HK$44,110/mo (50% DSR)
Upfront cash ≈ HK$534K (deposit + AVD stamp duty HK$75,760 · 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).