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$10,192
−HK$639/mo
▼ 0.25% · 3.875%
HK$10,509
−HK$322/mo
Today · 4.125%
HK$10,831
baseline
▲ 0.50% · 4.625%
HK$11,490
+HK$659/mo
Deposit HK$2.23M · loan HK$2.23M · min. income ≈ HK$21,662/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$67,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,338
−HK$613/mo
▼ 0.25% · 3.875%
HK$11,642
−HK$309/mo
Today · 4.125%
HK$11,951
baseline
▲ 0.50% · 4.625%
HK$12,581
+HK$630/mo
Deposit HK$2.23M · loan HK$2.23M · min. income ≈ HK$23,902/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$67,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,230
−HK$767/mo
▼ 0.25% · 3.875%
HK$12,610
−HK$387/mo
Today · 4.125%
HK$12,997
baseline
▲ 0.50% · 4.625%
HK$13,788
+HK$791/mo
Deposit HK$1.79M · loan HK$2.68M · min. income ≈ HK$25,994/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$67,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,606
−HK$735/mo
▼ 0.25% · 3.875%
HK$13,971
−HK$370/mo
Today · 4.125%
HK$14,341
baseline
▲ 0.50% · 4.625%
HK$15,097
+HK$756/mo
Deposit HK$1.79M · loan HK$2.68M · min. income ≈ HK$28,682/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$67,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,268
−HK$895/mo
▼ 0.25% · 3.875%
HK$14,712
−HK$451/mo
Today · 4.125%
HK$15,163
baseline
▲ 0.50% · 4.625%
HK$16,086
+HK$923/mo
Deposit HK$1.34M · loan HK$3.13M · min. income ≈ HK$30,326/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$67,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,873
−HK$858/mo
▼ 0.25% · 3.875%
HK$16,299
−HK$432/mo
Today · 4.125%
HK$16,731
baseline
▲ 0.50% · 4.625%
HK$17,613
+HK$882/mo
Deposit HK$1.34M · loan HK$3.13M · min. income ≈ HK$33,462/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$67,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,345
−HK$1,150/mo
▼ 0.25% · 3.875%
HK$18,916
−HK$579/mo
Today · 4.125%
HK$19,495
baseline
▲ 0.50% · 4.625%
HK$20,682
+HK$1,187/mo
Deposit HK$447K · loan HK$4.02M · min. income ≈ HK$38,990/mo (50% DSR)
Upfront cash ≈ HK$514K (deposit + AVD stamp duty HK$67,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,409
−HK$1,102/mo
▼ 0.25% · 3.875%
HK$20,956
−HK$555/mo
Today · 4.125%
HK$21,511
baseline
▲ 0.50% · 4.625%
HK$22,645
+HK$1,134/mo
Deposit HK$447K · loan HK$4.02M · min. income ≈ HK$43,022/mo (50% DSR)
Upfront cash ≈ HK$514K (deposit + AVD stamp duty HK$67,043 · 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).