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$10,459
−HK$656/mo
▼ 0.25% · 3.875%
HK$10,784
−HK$331/mo
Today · 4.125%
HK$11,115
baseline
▲ 0.50% · 4.625%
HK$11,791
+HK$676/mo
Deposit HK$2.29M · loan HK$2.29M · min. income ≈ HK$22,230/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$76,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,635
−HK$629/mo
▼ 0.25% · 3.875%
HK$11,947
−HK$317/mo
Today · 4.125%
HK$12,264
baseline
▲ 0.50% · 4.625%
HK$12,910
+HK$646/mo
Deposit HK$2.29M · loan HK$2.29M · min. income ≈ HK$24,528/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$76,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,550
−HK$787/mo
▼ 0.25% · 3.875%
HK$12,941
−HK$396/mo
Today · 4.125%
HK$13,337
baseline
▲ 0.50% · 4.625%
HK$14,149
+HK$812/mo
Deposit HK$1.83M · loan HK$2.75M · min. income ≈ HK$26,674/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$76,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,962
−HK$755/mo
▼ 0.25% · 3.875%
HK$14,337
−HK$380/mo
Today · 4.125%
HK$14,717
baseline
▲ 0.50% · 4.625%
HK$15,492
+HK$775/mo
Deposit HK$1.83M · loan HK$2.75M · min. income ≈ HK$29,434/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$76,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,642
−HK$918/mo
▼ 0.25% · 3.875%
HK$15,098
−HK$462/mo
Today · 4.125%
HK$15,560
baseline
▲ 0.50% · 4.625%
HK$16,507
+HK$947/mo
Deposit HK$1.38M · loan HK$3.21M · min. income ≈ HK$31,120/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$76,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,289
−HK$880/mo
▼ 0.25% · 3.875%
HK$16,726
−HK$443/mo
Today · 4.125%
HK$17,169
baseline
▲ 0.50% · 4.625%
HK$18,074
+HK$905/mo
Deposit HK$1.38M · loan HK$3.21M · min. income ≈ HK$34,338/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$76,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,826
−HK$1,180/mo
▼ 0.25% · 3.875%
HK$19,411
−HK$595/mo
Today · 4.125%
HK$20,006
baseline
▲ 0.50% · 4.625%
HK$21,224
+HK$1,218/mo
Deposit HK$459K · loan HK$4.13M · min. income ≈ HK$40,012/mo (50% DSR)
Upfront cash ≈ HK$535K (deposit + AVD stamp duty HK$76,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,943
−HK$1,132/mo
▼ 0.25% · 3.875%
HK$21,505
−HK$570/mo
Today · 4.125%
HK$22,075
baseline
▲ 0.50% · 4.625%
HK$23,238
+HK$1,163/mo
Deposit HK$459K · loan HK$4.13M · min. income ≈ HK$44,150/mo (50% DSR)
Upfront cash ≈ HK$535K (deposit + AVD stamp duty HK$76,164 · 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).