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$10,227
−HK$642/mo
▼ 0.25% · 3.875%
HK$10,546
−HK$323/mo
Today · 4.125%
HK$10,869
baseline
▲ 0.50% · 4.625%
HK$11,530
+HK$661/mo
Deposit HK$2.24M · loan HK$2.24M · min. income ≈ HK$21,738/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$67,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,378
−HK$615/mo
▼ 0.25% · 3.875%
HK$11,683
−HK$310/mo
Today · 4.125%
HK$11,993
baseline
▲ 0.50% · 4.625%
HK$12,625
+HK$632/mo
Deposit HK$2.24M · loan HK$2.24M · min. income ≈ HK$23,986/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$67,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,273
−HK$770/mo
▼ 0.25% · 3.875%
HK$12,655
−HK$388/mo
Today · 4.125%
HK$13,043
baseline
▲ 0.50% · 4.625%
HK$13,836
+HK$793/mo
Deposit HK$1.79M · loan HK$2.69M · min. income ≈ HK$26,086/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$67,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,654
−HK$737/mo
▼ 0.25% · 3.875%
HK$14,020
−HK$371/mo
Today · 4.125%
HK$14,391
baseline
▲ 0.50% · 4.625%
HK$15,150
+HK$759/mo
Deposit HK$1.79M · loan HK$2.69M · min. income ≈ HK$28,782/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$67,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,318
−HK$898/mo
▼ 0.25% · 3.875%
HK$14,764
−HK$452/mo
Today · 4.125%
HK$15,216
baseline
▲ 0.50% · 4.625%
HK$16,142
+HK$926/mo
Deposit HK$1.35M · loan HK$3.14M · min. income ≈ HK$30,432/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$67,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,929
−HK$861/mo
▼ 0.25% · 3.875%
HK$16,356
−HK$434/mo
Today · 4.125%
HK$16,790
baseline
▲ 0.50% · 4.625%
HK$17,675
+HK$885/mo
Deposit HK$1.35M · loan HK$3.14M · min. income ≈ HK$33,580/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$67,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,409
−HK$1,155/mo
▼ 0.25% · 3.875%
HK$18,982
−HK$582/mo
Today · 4.125%
HK$19,564
baseline
▲ 0.50% · 4.625%
HK$20,754
+HK$1,190/mo
Deposit HK$449K · loan HK$4.04M · min. income ≈ HK$39,128/mo (50% DSR)
Upfront cash ≈ HK$516K (deposit + AVD stamp duty HK$67,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,480
−HK$1,107/mo
▼ 0.25% · 3.875%
HK$21,030
−HK$557/mo
Today · 4.125%
HK$21,587
baseline
▲ 0.50% · 4.625%
HK$22,725
+HK$1,138/mo
Deposit HK$449K · loan HK$4.04M · min. income ≈ HK$43,174/mo (50% DSR)
Upfront cash ≈ HK$516K (deposit + AVD stamp duty HK$67,279 · 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).