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$10,352
−HK$649/mo
▼ 0.25% · 3.875%
HK$10,674
−HK$327/mo
Today · 4.125%
HK$11,001
baseline
▲ 0.50% · 4.625%
HK$11,670
+HK$669/mo
Deposit HK$2.27M · loan HK$2.27M · min. income ≈ HK$22,002/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$71,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,516
−HK$623/mo
▼ 0.25% · 3.875%
HK$11,825
−HK$314/mo
Today · 4.125%
HK$12,139
baseline
▲ 0.50% · 4.625%
HK$12,778
+HK$639/mo
Deposit HK$2.27M · loan HK$2.27M · min. income ≈ HK$24,278/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$71,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,422
−HK$779/mo
▼ 0.25% · 3.875%
HK$12,809
−HK$392/mo
Today · 4.125%
HK$13,201
baseline
▲ 0.50% · 4.625%
HK$14,005
+HK$804/mo
Deposit HK$1.82M · loan HK$2.72M · min. income ≈ HK$26,402/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$71,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,820
−HK$746/mo
▼ 0.25% · 3.875%
HK$14,190
−HK$376/mo
Today · 4.125%
HK$14,566
baseline
▲ 0.50% · 4.625%
HK$15,334
+HK$768/mo
Deposit HK$1.82M · loan HK$2.72M · min. income ≈ HK$29,132/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$71,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,493
−HK$908/mo
▼ 0.25% · 3.875%
HK$14,943
−HK$458/mo
Today · 4.125%
HK$15,401
baseline
▲ 0.50% · 4.625%
HK$16,339
+HK$938/mo
Deposit HK$1.36M · loan HK$3.18M · min. income ≈ HK$30,802/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$71,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,123
−HK$871/mo
▼ 0.25% · 3.875%
HK$16,555
−HK$439/mo
Today · 4.125%
HK$16,994
baseline
▲ 0.50% · 4.625%
HK$17,890
+HK$896/mo
Deposit HK$1.36M · loan HK$3.18M · min. income ≈ HK$33,988/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$71,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,633
−HK$1,169/mo
▼ 0.25% · 3.875%
HK$19,213
−HK$589/mo
Today · 4.125%
HK$19,802
baseline
▲ 0.50% · 4.625%
HK$21,007
+HK$1,205/mo
Deposit HK$454K · loan HK$4.09M · min. income ≈ HK$39,604/mo (50% DSR)
Upfront cash ≈ HK$525K (deposit + AVD stamp duty HK$71,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,729
−HK$1,120/mo
▼ 0.25% · 3.875%
HK$21,285
−HK$564/mo
Today · 4.125%
HK$21,849
baseline
▲ 0.50% · 4.625%
HK$23,001
+HK$1,152/mo
Deposit HK$454K · loan HK$4.09M · min. income ≈ HK$43,698/mo (50% DSR)
Upfront cash ≈ HK$525K (deposit + AVD stamp duty HK$71,480 · 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).