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$10,198
−HK$640/mo
▼ 0.25% · 3.875%
HK$10,515
−HK$323/mo
Today · 4.125%
HK$10,838
baseline
▲ 0.50% · 4.625%
HK$11,497
+HK$659/mo
Deposit HK$2.24M · loan HK$2.24M · min. income ≈ HK$21,676/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$67,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,345
−HK$613/mo
▼ 0.25% · 3.875%
HK$11,650
−HK$308/mo
Today · 4.125%
HK$11,958
baseline
▲ 0.50% · 4.625%
HK$12,589
+HK$631/mo
Deposit HK$2.24M · loan HK$2.24M · min. income ≈ HK$23,916/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$67,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,238
−HK$767/mo
▼ 0.25% · 3.875%
HK$12,618
−HK$387/mo
Today · 4.125%
HK$13,005
baseline
▲ 0.50% · 4.625%
HK$13,797
+HK$792/mo
Deposit HK$1.79M · loan HK$2.68M · min. income ≈ HK$26,010/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$67,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,614
−HK$736/mo
▼ 0.25% · 3.875%
HK$13,980
−HK$370/mo
Today · 4.125%
HK$14,350
baseline
▲ 0.50% · 4.625%
HK$15,106
+HK$756/mo
Deposit HK$1.79M · loan HK$2.68M · min. income ≈ HK$28,700/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$67,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,277
−HK$896/mo
▼ 0.25% · 3.875%
HK$14,721
−HK$452/mo
Today · 4.125%
HK$15,173
baseline
▲ 0.50% · 4.625%
HK$16,096
+HK$923/mo
Deposit HK$1.34M · loan HK$3.13M · min. income ≈ HK$30,346/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$67,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,883
−HK$859/mo
▼ 0.25% · 3.875%
HK$16,309
−HK$433/mo
Today · 4.125%
HK$16,742
baseline
▲ 0.50% · 4.625%
HK$17,624
+HK$882/mo
Deposit HK$1.34M · loan HK$3.13M · min. income ≈ HK$33,484/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$67,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,357
−HK$1,151/mo
▼ 0.25% · 3.875%
HK$18,928
−HK$580/mo
Today · 4.125%
HK$19,508
baseline
▲ 0.50% · 4.625%
HK$20,695
+HK$1,187/mo
Deposit HK$447K · loan HK$4.03M · min. income ≈ HK$39,016/mo (50% DSR)
Upfront cash ≈ HK$514K (deposit + AVD stamp duty HK$67,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,422
−HK$1,103/mo
▼ 0.25% · 3.875%
HK$20,969
−HK$556/mo
Today · 4.125%
HK$21,525
baseline
▲ 0.50% · 4.625%
HK$22,659
+HK$1,134/mo
Deposit HK$447K · loan HK$4.03M · min. income ≈ HK$43,050/mo (50% DSR)
Upfront cash ≈ HK$514K (deposit + AVD stamp duty HK$67,086 · 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).