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$10,420
−HK$654/mo
▼ 0.25% · 3.875%
HK$10,744
−HK$330/mo
Today · 4.125%
HK$11,074
baseline
▲ 0.50% · 4.625%
HK$11,747
+HK$673/mo
Deposit HK$2.28M · loan HK$2.28M · min. income ≈ HK$22,148/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$74,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,592
−HK$627/mo
▼ 0.25% · 3.875%
HK$11,903
−HK$316/mo
Today · 4.125%
HK$12,219
baseline
▲ 0.50% · 4.625%
HK$12,863
+HK$644/mo
Deposit HK$2.28M · loan HK$2.28M · min. income ≈ HK$24,438/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$74,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,504
−HK$784/mo
▼ 0.25% · 3.875%
HK$12,893
−HK$395/mo
Today · 4.125%
HK$13,288
baseline
▲ 0.50% · 4.625%
HK$14,097
+HK$809/mo
Deposit HK$1.83M · loan HK$2.74M · min. income ≈ HK$26,576/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$74,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,911
−HK$751/mo
▼ 0.25% · 3.875%
HK$14,284
−HK$378/mo
Today · 4.125%
HK$14,662
baseline
▲ 0.50% · 4.625%
HK$15,435
+HK$773/mo
Deposit HK$1.83M · loan HK$2.74M · min. income ≈ HK$29,324/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$74,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,588
−HK$915/mo
▼ 0.25% · 3.875%
HK$15,042
−HK$461/mo
Today · 4.125%
HK$15,503
baseline
▲ 0.50% · 4.625%
HK$16,446
+HK$943/mo
Deposit HK$1.37M · loan HK$3.20M · min. income ≈ HK$31,006/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$74,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,229
−HK$877/mo
▼ 0.25% · 3.875%
HK$16,664
−HK$442/mo
Today · 4.125%
HK$17,106
baseline
▲ 0.50% · 4.625%
HK$18,008
+HK$902/mo
Deposit HK$1.37M · loan HK$3.20M · min. income ≈ HK$34,212/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$74,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,756
−HK$1,176/mo
▼ 0.25% · 3.875%
HK$19,340
−HK$592/mo
Today · 4.125%
HK$19,932
baseline
▲ 0.50% · 4.625%
HK$21,145
+HK$1,213/mo
Deposit HK$457K · loan HK$4.11M · min. income ≈ HK$39,864/mo (50% DSR)
Upfront cash ≈ HK$531K (deposit + AVD stamp duty HK$74,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,866
−HK$1,127/mo
▼ 0.25% · 3.875%
HK$21,426
−HK$567/mo
Today · 4.125%
HK$21,993
baseline
▲ 0.50% · 4.625%
HK$23,153
+HK$1,160/mo
Deposit HK$457K · loan HK$4.11M · min. income ≈ HK$43,986/mo (50% DSR)
Upfront cash ≈ HK$531K (deposit + AVD stamp duty HK$74,472 · 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).