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$10,284
−HK$645/mo
▼ 0.25% · 3.875%
HK$10,604
−HK$325/mo
Today · 4.125%
HK$10,929
baseline
▲ 0.50% · 4.625%
HK$11,594
+HK$665/mo
Deposit HK$2.26M · loan HK$2.26M · min. income ≈ HK$21,858/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$68,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,441
−HK$618/mo
▼ 0.25% · 3.875%
HK$11,748
−HK$311/mo
Today · 4.125%
HK$12,059
baseline
▲ 0.50% · 4.625%
HK$12,695
+HK$636/mo
Deposit HK$2.26M · loan HK$2.26M · min. income ≈ HK$24,118/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$68,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,341
−HK$774/mo
▼ 0.25% · 3.875%
HK$12,725
−HK$390/mo
Today · 4.125%
HK$13,115
baseline
▲ 0.50% · 4.625%
HK$13,913
+HK$798/mo
Deposit HK$1.80M · loan HK$2.71M · min. income ≈ HK$26,230/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$68,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,730
−HK$741/mo
▼ 0.25% · 3.875%
HK$14,098
−HK$373/mo
Today · 4.125%
HK$14,471
baseline
▲ 0.50% · 4.625%
HK$15,234
+HK$763/mo
Deposit HK$1.80M · loan HK$2.71M · min. income ≈ HK$28,942/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$68,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,398
−HK$903/mo
▼ 0.25% · 3.875%
HK$14,846
−HK$455/mo
Today · 4.125%
HK$15,301
baseline
▲ 0.50% · 4.625%
HK$16,232
+HK$931/mo
Deposit HK$1.35M · loan HK$3.16M · min. income ≈ HK$30,602/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$68,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,018
−HK$865/mo
▼ 0.25% · 3.875%
HK$16,447
−HK$436/mo
Today · 4.125%
HK$16,883
baseline
▲ 0.50% · 4.625%
HK$17,773
+HK$890/mo
Deposit HK$1.35M · loan HK$3.16M · min. income ≈ HK$33,766/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$68,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,512
−HK$1,161/mo
▼ 0.25% · 3.875%
HK$19,088
−HK$585/mo
Today · 4.125%
HK$19,673
baseline
▲ 0.50% · 4.625%
HK$20,870
+HK$1,197/mo
Deposit HK$451K · loan HK$4.06M · min. income ≈ HK$39,346/mo (50% DSR)
Upfront cash ≈ HK$520K (deposit + AVD stamp duty HK$68,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,594
−HK$1,113/mo
▼ 0.25% · 3.875%
HK$21,147
−HK$560/mo
Today · 4.125%
HK$21,707
baseline
▲ 0.50% · 4.625%
HK$22,851
+HK$1,144/mo
Deposit HK$451K · loan HK$4.06M · min. income ≈ HK$43,414/mo (50% DSR)
Upfront cash ≈ HK$520K (deposit + AVD stamp duty HK$68,522 · 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).