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$10,359
−HK$650/mo
▼ 0.25% · 3.875%
HK$10,682
−HK$327/mo
Today · 4.125%
HK$11,009
baseline
▲ 0.50% · 4.625%
HK$11,679
+HK$670/mo
Deposit HK$2.27M · loan HK$2.27M · min. income ≈ HK$22,018/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$71,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,525
−HK$622/mo
▼ 0.25% · 3.875%
HK$11,834
−HK$313/mo
Today · 4.125%
HK$12,147
baseline
▲ 0.50% · 4.625%
HK$12,788
+HK$641/mo
Deposit HK$2.27M · loan HK$2.27M · min. income ≈ HK$24,294/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$71,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,431
−HK$780/mo
▼ 0.25% · 3.875%
HK$12,818
−HK$393/mo
Today · 4.125%
HK$13,211
baseline
▲ 0.50% · 4.625%
HK$14,015
+HK$804/mo
Deposit HK$1.82M · loan HK$2.73M · min. income ≈ HK$26,422/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$71,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,830
−HK$747/mo
▼ 0.25% · 3.875%
HK$14,201
−HK$376/mo
Today · 4.125%
HK$14,577
baseline
▲ 0.50% · 4.625%
HK$15,345
+HK$768/mo
Deposit HK$1.82M · loan HK$2.73M · min. income ≈ HK$29,154/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$71,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,503
−HK$910/mo
▼ 0.25% · 3.875%
HK$14,954
−HK$459/mo
Today · 4.125%
HK$15,413
baseline
▲ 0.50% · 4.625%
HK$16,350
+HK$937/mo
Deposit HK$1.36M · loan HK$3.18M · min. income ≈ HK$30,826/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$71,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,135
−HK$871/mo
▼ 0.25% · 3.875%
HK$16,567
−HK$439/mo
Today · 4.125%
HK$17,006
baseline
▲ 0.50% · 4.625%
HK$17,903
+HK$897/mo
Deposit HK$1.36M · loan HK$3.18M · min. income ≈ HK$34,012/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$71,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,647
−HK$1,169/mo
▼ 0.25% · 3.875%
HK$19,227
−HK$589/mo
Today · 4.125%
HK$19,816
baseline
▲ 0.50% · 4.625%
HK$21,022
+HK$1,206/mo
Deposit HK$454K · loan HK$4.09M · min. income ≈ HK$39,632/mo (50% DSR)
Upfront cash ≈ HK$526K (deposit + AVD stamp duty HK$71,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,744
−HK$1,121/mo
▼ 0.25% · 3.875%
HK$21,301
−HK$564/mo
Today · 4.125%
HK$21,865
baseline
▲ 0.50% · 4.625%
HK$23,018
+HK$1,153/mo
Deposit HK$454K · loan HK$4.09M · min. income ≈ HK$43,730/mo (50% DSR)
Upfront cash ≈ HK$526K (deposit + AVD stamp duty HK$71,808 · 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).