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$10,351
−HK$649/mo
▼ 0.25% · 3.875%
HK$10,673
−HK$327/mo
Today · 4.125%
HK$11,000
baseline
▲ 0.50% · 4.625%
HK$11,669
+HK$669/mo
Deposit HK$2.27M · loan HK$2.27M · min. income ≈ HK$22,000/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$71,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,515
−HK$623/mo
▼ 0.25% · 3.875%
HK$11,824
−HK$314/mo
Today · 4.125%
HK$12,138
baseline
▲ 0.50% · 4.625%
HK$12,777
+HK$639/mo
Deposit HK$2.27M · loan HK$2.27M · min. income ≈ HK$24,276/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$71,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,421
−HK$779/mo
▼ 0.25% · 3.875%
HK$12,808
−HK$392/mo
Today · 4.125%
HK$13,200
baseline
▲ 0.50% · 4.625%
HK$14,003
+HK$803/mo
Deposit HK$1.82M · loan HK$2.72M · min. income ≈ HK$26,400/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$71,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,819
−HK$746/mo
▼ 0.25% · 3.875%
HK$14,189
−HK$376/mo
Today · 4.125%
HK$14,565
baseline
▲ 0.50% · 4.625%
HK$15,333
+HK$768/mo
Deposit HK$1.82M · loan HK$2.72M · min. income ≈ HK$29,130/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$71,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,491
−HK$909/mo
▼ 0.25% · 3.875%
HK$14,942
−HK$458/mo
Today · 4.125%
HK$15,400
baseline
▲ 0.50% · 4.625%
HK$16,337
+HK$937/mo
Deposit HK$1.36M · loan HK$3.18M · min. income ≈ HK$30,800/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$71,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,122
−HK$871/mo
▼ 0.25% · 3.875%
HK$16,554
−HK$439/mo
Today · 4.125%
HK$16,993
baseline
▲ 0.50% · 4.625%
HK$17,888
+HK$895/mo
Deposit HK$1.36M · loan HK$3.18M · min. income ≈ HK$33,986/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$71,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,632
−HK$1,168/mo
▼ 0.25% · 3.875%
HK$19,211
−HK$589/mo
Today · 4.125%
HK$19,800
baseline
▲ 0.50% · 4.625%
HK$21,005
+HK$1,205/mo
Deposit HK$454K · loan HK$4.09M · min. income ≈ HK$39,600/mo (50% DSR)
Upfront cash ≈ HK$525K (deposit + AVD stamp duty HK$71,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,728
−HK$1,120/mo
▼ 0.25% · 3.875%
HK$21,284
−HK$564/mo
Today · 4.125%
HK$21,848
baseline
▲ 0.50% · 4.625%
HK$22,999
+HK$1,151/mo
Deposit HK$454K · loan HK$4.09M · min. income ≈ HK$43,696/mo (50% DSR)
Upfront cash ≈ HK$525K (deposit + AVD stamp duty HK$71,442 · 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).