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$10,317
−HK$647/mo
▼ 0.25% · 3.875%
HK$10,638
−HK$326/mo
Today · 4.125%
HK$10,964
baseline
▲ 0.50% · 4.625%
HK$11,631
+HK$667/mo
Deposit HK$2.26M · loan HK$2.26M · min. income ≈ HK$21,928/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$69,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,478
−HK$620/mo
▼ 0.25% · 3.875%
HK$11,786
−HK$312/mo
Today · 4.125%
HK$12,098
baseline
▲ 0.50% · 4.625%
HK$12,736
+HK$638/mo
Deposit HK$2.26M · loan HK$2.26M · min. income ≈ HK$24,196/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$69,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,381
−HK$776/mo
▼ 0.25% · 3.875%
HK$12,766
−HK$391/mo
Today · 4.125%
HK$13,157
baseline
▲ 0.50% · 4.625%
HK$13,958
+HK$801/mo
Deposit HK$1.81M · loan HK$2.71M · min. income ≈ HK$26,314/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$69,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,773
−HK$744/mo
▼ 0.25% · 3.875%
HK$14,143
−HK$374/mo
Today · 4.125%
HK$14,517
baseline
▲ 0.50% · 4.625%
HK$15,283
+HK$766/mo
Deposit HK$1.81M · loan HK$2.71M · min. income ≈ HK$29,034/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$69,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,444
−HK$906/mo
▼ 0.25% · 3.875%
HK$14,893
−HK$457/mo
Today · 4.125%
HK$15,350
baseline
▲ 0.50% · 4.625%
HK$16,284
+HK$934/mo
Deposit HK$1.36M · loan HK$3.17M · min. income ≈ HK$30,700/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$69,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,069
−HK$868/mo
▼ 0.25% · 3.875%
HK$16,500
−HK$437/mo
Today · 4.125%
HK$16,937
baseline
▲ 0.50% · 4.625%
HK$17,830
+HK$893/mo
Deposit HK$1.36M · loan HK$3.17M · min. income ≈ HK$33,874/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$69,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,571
−HK$1,164/mo
▼ 0.25% · 3.875%
HK$19,149
−HK$586/mo
Today · 4.125%
HK$19,735
baseline
▲ 0.50% · 4.625%
HK$20,936
+HK$1,201/mo
Deposit HK$452K · loan HK$4.07M · min. income ≈ HK$39,470/mo (50% DSR)
Upfront cash ≈ HK$522K (deposit + AVD stamp duty HK$69,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,660
−HK$1,116/mo
▼ 0.25% · 3.875%
HK$21,214
−HK$562/mo
Today · 4.125%
HK$21,776
baseline
▲ 0.50% · 4.625%
HK$22,924
+HK$1,148/mo
Deposit HK$452K · loan HK$4.07M · min. income ≈ HK$43,552/mo (50% DSR)
Upfront cash ≈ HK$522K (deposit + AVD stamp duty HK$69,956 · 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).