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$10,176
−HK$639/mo
▼ 0.25% · 3.875%
HK$10,493
−HK$322/mo
Today · 4.125%
HK$10,815
baseline
▲ 0.50% · 4.625%
HK$11,473
+HK$658/mo
Deposit HK$2.23M · loan HK$2.23M · min. income ≈ HK$21,630/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$66,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,321
−HK$612/mo
▼ 0.25% · 3.875%
HK$11,625
−HK$308/mo
Today · 4.125%
HK$11,933
baseline
▲ 0.50% · 4.625%
HK$12,562
+HK$629/mo
Deposit HK$2.23M · loan HK$2.23M · min. income ≈ HK$23,866/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$66,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,212
−HK$765/mo
▼ 0.25% · 3.875%
HK$12,592
−HK$385/mo
Today · 4.125%
HK$12,977
baseline
▲ 0.50% · 4.625%
HK$13,767
+HK$790/mo
Deposit HK$1.79M · loan HK$2.68M · min. income ≈ HK$25,954/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$66,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,585
−HK$734/mo
▼ 0.25% · 3.875%
HK$13,950
−HK$369/mo
Today · 4.125%
HK$14,319
baseline
▲ 0.50% · 4.625%
HK$15,074
+HK$755/mo
Deposit HK$1.79M · loan HK$2.68M · min. income ≈ HK$28,638/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$66,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,247
−HK$893/mo
▼ 0.25% · 3.875%
HK$14,690
−HK$450/mo
Today · 4.125%
HK$15,140
baseline
▲ 0.50% · 4.625%
HK$16,062
+HK$922/mo
Deposit HK$1.34M · loan HK$3.12M · min. income ≈ HK$30,280/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$66,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,850
−HK$856/mo
▼ 0.25% · 3.875%
HK$16,275
−HK$431/mo
Today · 4.125%
HK$16,706
baseline
▲ 0.50% · 4.625%
HK$17,587
+HK$881/mo
Deposit HK$1.34M · loan HK$3.12M · min. income ≈ HK$33,412/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$66,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,318
−HK$1,148/mo
▼ 0.25% · 3.875%
HK$18,887
−HK$579/mo
Today · 4.125%
HK$19,466
baseline
▲ 0.50% · 4.625%
HK$20,651
+HK$1,185/mo
Deposit HK$446K · loan HK$4.02M · min. income ≈ HK$38,932/mo (50% DSR)
Upfront cash ≈ HK$513K (deposit + AVD stamp duty HK$66,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,378
−HK$1,101/mo
▼ 0.25% · 3.875%
HK$20,925
−HK$554/mo
Today · 4.125%
HK$21,479
baseline
▲ 0.50% · 4.625%
HK$22,611
+HK$1,132/mo
Deposit HK$446K · loan HK$4.02M · min. income ≈ HK$42,958/mo (50% DSR)
Upfront cash ≈ HK$513K (deposit + AVD stamp duty HK$66,943 · 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).