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$10,210
−HK$641/mo
▼ 0.25% · 3.875%
HK$10,528
−HK$323/mo
Today · 4.125%
HK$10,851
baseline
▲ 0.50% · 4.625%
HK$11,511
+HK$660/mo
Deposit HK$2.24M · loan HK$2.24M · min. income ≈ HK$21,702/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$67,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,359
−HK$614/mo
▼ 0.25% · 3.875%
HK$11,664
−HK$309/mo
Today · 4.125%
HK$11,973
baseline
▲ 0.50% · 4.625%
HK$12,604
+HK$631/mo
Deposit HK$2.24M · loan HK$2.24M · min. income ≈ HK$23,946/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$67,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,253
−HK$768/mo
▼ 0.25% · 3.875%
HK$12,634
−HK$387/mo
Today · 4.125%
HK$13,021
baseline
▲ 0.50% · 4.625%
HK$13,813
+HK$792/mo
Deposit HK$1.79M · loan HK$2.69M · min. income ≈ HK$26,042/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$67,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,631
−HK$736/mo
▼ 0.25% · 3.875%
HK$13,996
−HK$371/mo
Today · 4.125%
HK$14,367
baseline
▲ 0.50% · 4.625%
HK$15,125
+HK$758/mo
Deposit HK$1.79M · loan HK$2.69M · min. income ≈ HK$28,734/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$67,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,295
−HK$896/mo
▼ 0.25% · 3.875%
HK$14,739
−HK$452/mo
Today · 4.125%
HK$15,191
baseline
▲ 0.50% · 4.625%
HK$16,115
+HK$924/mo
Deposit HK$1.34M · loan HK$3.13M · min. income ≈ HK$30,382/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$67,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,903
−HK$859/mo
▼ 0.25% · 3.875%
HK$16,329
−HK$433/mo
Today · 4.125%
HK$16,762
baseline
▲ 0.50% · 4.625%
HK$17,645
+HK$883/mo
Deposit HK$1.34M · loan HK$3.13M · min. income ≈ HK$33,524/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$67,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,379
−HK$1,152/mo
▼ 0.25% · 3.875%
HK$18,951
−HK$580/mo
Today · 4.125%
HK$19,531
baseline
▲ 0.50% · 4.625%
HK$20,720
+HK$1,189/mo
Deposit HK$448K · loan HK$4.03M · min. income ≈ HK$39,062/mo (50% DSR)
Upfront cash ≈ HK$515K (deposit + AVD stamp duty HK$67,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,446
−HK$1,105/mo
▼ 0.25% · 3.875%
HK$20,995
−HK$556/mo
Today · 4.125%
HK$21,551
baseline
▲ 0.50% · 4.625%
HK$22,687
+HK$1,136/mo
Deposit HK$448K · loan HK$4.03M · min. income ≈ HK$43,102/mo (50% DSR)
Upfront cash ≈ HK$515K (deposit + AVD stamp duty HK$67,167 · 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).