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$10,151
−HK$636/mo
▼ 0.25% · 3.875%
HK$10,467
−HK$320/mo
Today · 4.125%
HK$10,787
baseline
▲ 0.50% · 4.625%
HK$11,444
+HK$657/mo
Deposit HK$2.23M · loan HK$2.23M · min. income ≈ HK$21,574/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$66,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,293
−HK$610/mo
▼ 0.25% · 3.875%
HK$11,596
−HK$307/mo
Today · 4.125%
HK$11,903
baseline
▲ 0.50% · 4.625%
HK$12,530
+HK$627/mo
Deposit HK$2.23M · loan HK$2.23M · min. income ≈ HK$23,806/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$66,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,181
−HK$764/mo
▼ 0.25% · 3.875%
HK$12,560
−HK$385/mo
Today · 4.125%
HK$12,945
baseline
▲ 0.50% · 4.625%
HK$13,733
+HK$788/mo
Deposit HK$1.78M · loan HK$2.67M · min. income ≈ HK$25,890/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$66,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,551
−HK$732/mo
▼ 0.25% · 3.875%
HK$13,915
−HK$368/mo
Today · 4.125%
HK$14,283
baseline
▲ 0.50% · 4.625%
HK$15,036
+HK$753/mo
Deposit HK$1.78M · loan HK$2.67M · min. income ≈ HK$28,566/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$66,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,211
−HK$891/mo
▼ 0.25% · 3.875%
HK$14,653
−HK$449/mo
Today · 4.125%
HK$15,102
baseline
▲ 0.50% · 4.625%
HK$16,021
+HK$919/mo
Deposit HK$1.34M · loan HK$3.12M · min. income ≈ HK$30,204/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$66,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,810
−HK$854/mo
▼ 0.25% · 3.875%
HK$16,234
−HK$430/mo
Today · 4.125%
HK$16,664
baseline
▲ 0.50% · 4.625%
HK$17,542
+HK$878/mo
Deposit HK$1.34M · loan HK$3.12M · min. income ≈ HK$33,328/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$66,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,272
−HK$1,145/mo
▼ 0.25% · 3.875%
HK$18,840
−HK$577/mo
Today · 4.125%
HK$19,417
baseline
▲ 0.50% · 4.625%
HK$20,599
+HK$1,182/mo
Deposit HK$445K · loan HK$4.01M · min. income ≈ HK$38,834/mo (50% DSR)
Upfront cash ≈ HK$512K (deposit + AVD stamp duty HK$66,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,327
−HK$1,098/mo
▼ 0.25% · 3.875%
HK$20,872
−HK$553/mo
Today · 4.125%
HK$21,425
baseline
▲ 0.50% · 4.625%
HK$22,554
+HK$1,129/mo
Deposit HK$445K · loan HK$4.01M · min. income ≈ HK$42,850/mo (50% DSR)
Upfront cash ≈ HK$512K (deposit + AVD stamp duty HK$66,775 · 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).