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$10,380
−HK$651/mo
▼ 0.25% · 3.875%
HK$10,703
−HK$328/mo
Today · 4.125%
HK$11,031
baseline
▲ 0.50% · 4.625%
HK$11,702
+HK$671/mo
Deposit HK$2.28M · loan HK$2.28M · min. income ≈ HK$22,062/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$72,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,548
−HK$624/mo
▼ 0.25% · 3.875%
HK$11,858
−HK$314/mo
Today · 4.125%
HK$12,172
baseline
▲ 0.50% · 4.625%
HK$12,813
+HK$641/mo
Deposit HK$2.28M · loan HK$2.28M · min. income ≈ HK$24,344/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$72,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,456
−HK$781/mo
▼ 0.25% · 3.875%
HK$12,844
−HK$393/mo
Today · 4.125%
HK$13,237
baseline
▲ 0.50% · 4.625%
HK$14,043
+HK$806/mo
Deposit HK$1.82M · loan HK$2.73M · min. income ≈ HK$26,474/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$72,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,858
−HK$748/mo
▼ 0.25% · 3.875%
HK$14,229
−HK$377/mo
Today · 4.125%
HK$14,606
baseline
▲ 0.50% · 4.625%
HK$15,376
+HK$770/mo
Deposit HK$1.82M · loan HK$2.73M · min. income ≈ HK$29,212/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$72,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,532
−HK$912/mo
▼ 0.25% · 3.875%
HK$14,984
−HK$460/mo
Today · 4.125%
HK$15,444
baseline
▲ 0.50% · 4.625%
HK$16,383
+HK$939/mo
Deposit HK$1.37M · loan HK$3.19M · min. income ≈ HK$30,888/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$72,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,167
−HK$874/mo
▼ 0.25% · 3.875%
HK$16,601
−HK$440/mo
Today · 4.125%
HK$17,041
baseline
▲ 0.50% · 4.625%
HK$17,939
+HK$898/mo
Deposit HK$1.37M · loan HK$3.19M · min. income ≈ HK$34,082/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$72,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,685
−HK$1,171/mo
▼ 0.25% · 3.875%
HK$19,266
−HK$590/mo
Today · 4.125%
HK$19,856
baseline
▲ 0.50% · 4.625%
HK$21,064
+HK$1,208/mo
Deposit HK$455K · loan HK$4.10M · min. income ≈ HK$39,712/mo (50% DSR)
Upfront cash ≈ HK$528K (deposit + AVD stamp duty HK$72,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,786
−HK$1,123/mo
▼ 0.25% · 3.875%
HK$21,344
−HK$565/mo
Today · 4.125%
HK$21,909
baseline
▲ 0.50% · 4.625%
HK$23,064
+HK$1,155/mo
Deposit HK$455K · loan HK$4.10M · min. income ≈ HK$43,818/mo (50% DSR)
Upfront cash ≈ HK$528K (deposit + AVD stamp duty HK$72,725 · 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).