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$10,191
−HK$639/mo
▼ 0.25% · 3.875%
HK$10,508
−HK$322/mo
Today · 4.125%
HK$10,830
baseline
▲ 0.50% · 4.625%
HK$11,489
+HK$659/mo
Deposit HK$2.23M · loan HK$2.23M · min. income ≈ HK$21,660/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$67,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,338
−HK$612/mo
▼ 0.25% · 3.875%
HK$11,642
−HK$308/mo
Today · 4.125%
HK$11,950
baseline
▲ 0.50% · 4.625%
HK$12,580
+HK$630/mo
Deposit HK$2.23M · loan HK$2.23M · min. income ≈ HK$23,900/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$67,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,230
−HK$766/mo
▼ 0.25% · 3.875%
HK$12,610
−HK$386/mo
Today · 4.125%
HK$12,996
baseline
▲ 0.50% · 4.625%
HK$13,787
+HK$791/mo
Deposit HK$1.79M · loan HK$2.68M · min. income ≈ HK$25,992/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$67,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,605
−HK$735/mo
▼ 0.25% · 3.875%
HK$13,970
−HK$370/mo
Today · 4.125%
HK$14,340
baseline
▲ 0.50% · 4.625%
HK$15,096
+HK$756/mo
Deposit HK$1.79M · loan HK$2.68M · min. income ≈ HK$28,680/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$67,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,268
−HK$895/mo
▼ 0.25% · 3.875%
HK$14,712
−HK$451/mo
Today · 4.125%
HK$15,163
baseline
▲ 0.50% · 4.625%
HK$16,085
+HK$922/mo
Deposit HK$1.34M · loan HK$3.13M · min. income ≈ HK$30,326/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$67,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,873
−HK$857/mo
▼ 0.25% · 3.875%
HK$16,298
−HK$432/mo
Today · 4.125%
HK$16,730
baseline
▲ 0.50% · 4.625%
HK$17,612
+HK$882/mo
Deposit HK$1.34M · loan HK$3.13M · min. income ≈ HK$33,460/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$67,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,344
−HK$1,151/mo
▼ 0.25% · 3.875%
HK$18,915
−HK$580/mo
Today · 4.125%
HK$19,495
baseline
▲ 0.50% · 4.625%
HK$20,681
+HK$1,186/mo
Deposit HK$447K · loan HK$4.02M · min. income ≈ HK$38,990/mo (50% DSR)
Upfront cash ≈ HK$514K (deposit + AVD stamp duty HK$67,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,408
−HK$1,102/mo
▼ 0.25% · 3.875%
HK$20,955
−HK$555/mo
Today · 4.125%
HK$21,510
baseline
▲ 0.50% · 4.625%
HK$22,644
+HK$1,134/mo
Deposit HK$447K · loan HK$4.02M · min. income ≈ HK$43,020/mo (50% DSR)
Upfront cash ≈ HK$514K (deposit + AVD stamp duty HK$67,041 · 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).