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$10,331
−HK$648/mo
▼ 0.25% · 3.875%
HK$10,652
−HK$327/mo
Today · 4.125%
HK$10,979
baseline
▲ 0.50% · 4.625%
HK$11,647
+HK$668/mo
Deposit HK$2.27M · loan HK$2.27M · min. income ≈ HK$21,958/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$70,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,493
−HK$621/mo
▼ 0.25% · 3.875%
HK$11,801
−HK$313/mo
Today · 4.125%
HK$12,114
baseline
▲ 0.50% · 4.625%
HK$12,753
+HK$639/mo
Deposit HK$2.27M · loan HK$2.27M · min. income ≈ HK$24,228/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$70,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,397
−HK$778/mo
▼ 0.25% · 3.875%
HK$12,783
−HK$392/mo
Today · 4.125%
HK$13,175
baseline
▲ 0.50% · 4.625%
HK$13,976
+HK$801/mo
Deposit HK$1.81M · loan HK$2.72M · min. income ≈ HK$26,350/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$70,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,792
−HK$745/mo
▼ 0.25% · 3.875%
HK$14,162
−HK$375/mo
Today · 4.125%
HK$14,537
baseline
▲ 0.50% · 4.625%
HK$15,303
+HK$766/mo
Deposit HK$1.81M · loan HK$2.72M · min. income ≈ HK$29,074/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$70,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,463
−HK$907/mo
▼ 0.25% · 3.875%
HK$14,913
−HK$457/mo
Today · 4.125%
HK$15,370
baseline
▲ 0.50% · 4.625%
HK$16,306
+HK$936/mo
Deposit HK$1.36M · loan HK$3.17M · min. income ≈ HK$30,740/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$70,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,090
−HK$870/mo
▼ 0.25% · 3.875%
HK$16,522
−HK$438/mo
Today · 4.125%
HK$16,960
baseline
▲ 0.50% · 4.625%
HK$17,854
+HK$894/mo
Deposit HK$1.36M · loan HK$3.17M · min. income ≈ HK$33,920/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$70,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,596
−HK$1,166/mo
▼ 0.25% · 3.875%
HK$19,174
−HK$588/mo
Today · 4.125%
HK$19,762
baseline
▲ 0.50% · 4.625%
HK$20,964
+HK$1,202/mo
Deposit HK$453K · loan HK$4.08M · min. income ≈ HK$39,524/mo (50% DSR)
Upfront cash ≈ HK$524K (deposit + AVD stamp duty HK$70,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,688
−HK$1,117/mo
▼ 0.25% · 3.875%
HK$21,242
−HK$563/mo
Today · 4.125%
HK$21,805
baseline
▲ 0.50% · 4.625%
HK$22,955
+HK$1,150/mo
Deposit HK$453K · loan HK$4.08M · min. income ≈ HK$43,610/mo (50% DSR)
Upfront cash ≈ HK$524K (deposit + AVD stamp duty HK$70,563 · 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).