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$10,160
−HK$637/mo
▼ 0.25% · 3.875%
HK$10,476
−HK$321/mo
Today · 4.125%
HK$10,797
baseline
▲ 0.50% · 4.625%
HK$11,454
+HK$657/mo
Deposit HK$2.23M · loan HK$2.23M · min. income ≈ HK$21,594/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$66,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,303
−HK$610/mo
▼ 0.25% · 3.875%
HK$11,606
−HK$307/mo
Today · 4.125%
HK$11,913
baseline
▲ 0.50% · 4.625%
HK$12,541
+HK$628/mo
Deposit HK$2.23M · loan HK$2.23M · min. income ≈ HK$23,826/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$66,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,192
−HK$764/mo
▼ 0.25% · 3.875%
HK$12,571
−HK$385/mo
Today · 4.125%
HK$12,956
baseline
▲ 0.50% · 4.625%
HK$13,745
+HK$789/mo
Deposit HK$1.78M · loan HK$2.67M · min. income ≈ HK$25,912/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$66,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,563
−HK$733/mo
▼ 0.25% · 3.875%
HK$13,927
−HK$369/mo
Today · 4.125%
HK$14,296
baseline
▲ 0.50% · 4.625%
HK$15,050
+HK$754/mo
Deposit HK$1.78M · loan HK$2.67M · min. income ≈ HK$28,592/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$66,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,224
−HK$892/mo
▼ 0.25% · 3.875%
HK$14,666
−HK$450/mo
Today · 4.125%
HK$15,116
baseline
▲ 0.50% · 4.625%
HK$16,035
+HK$919/mo
Deposit HK$1.34M · loan HK$3.12M · min. income ≈ HK$30,232/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$66,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,824
−HK$855/mo
▼ 0.25% · 3.875%
HK$16,248
−HK$431/mo
Today · 4.125%
HK$16,679
baseline
▲ 0.50% · 4.625%
HK$17,558
+HK$879/mo
Deposit HK$1.34M · loan HK$3.12M · min. income ≈ HK$33,358/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$66,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,288
−HK$1,146/mo
▼ 0.25% · 3.875%
HK$18,857
−HK$577/mo
Today · 4.125%
HK$19,434
baseline
▲ 0.50% · 4.625%
HK$20,617
+HK$1,183/mo
Deposit HK$446K · loan HK$4.01M · min. income ≈ HK$38,868/mo (50% DSR)
Upfront cash ≈ HK$512K (deposit + AVD stamp duty HK$66,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,345
−HK$1,099/mo
▼ 0.25% · 3.875%
HK$20,890
−HK$554/mo
Today · 4.125%
HK$21,444
baseline
▲ 0.50% · 4.625%
HK$22,574
+HK$1,130/mo
Deposit HK$446K · loan HK$4.01M · min. income ≈ HK$42,888/mo (50% DSR)
Upfront cash ≈ HK$512K (deposit + AVD stamp duty HK$66,834 · 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).