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$10,459
−HK$656/mo
▼ 0.25% · 3.875%
HK$10,785
−HK$330/mo
Today · 4.125%
HK$11,115
baseline
▲ 0.50% · 4.625%
HK$11,791
+HK$676/mo
Deposit HK$2.29M · loan HK$2.29M · min. income ≈ HK$22,230/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$76,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,636
−HK$628/mo
▼ 0.25% · 3.875%
HK$11,948
−HK$316/mo
Today · 4.125%
HK$12,264
baseline
▲ 0.50% · 4.625%
HK$12,911
+HK$647/mo
Deposit HK$2.29M · loan HK$2.29M · min. income ≈ HK$24,528/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$76,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,551
−HK$787/mo
▼ 0.25% · 3.875%
HK$12,941
−HK$397/mo
Today · 4.125%
HK$13,338
baseline
▲ 0.50% · 4.625%
HK$14,150
+HK$812/mo
Deposit HK$1.83M · loan HK$2.75M · min. income ≈ HK$26,676/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$76,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,963
−HK$754/mo
▼ 0.25% · 3.875%
HK$14,337
−HK$380/mo
Today · 4.125%
HK$14,717
baseline
▲ 0.50% · 4.625%
HK$15,493
+HK$776/mo
Deposit HK$1.83M · loan HK$2.75M · min. income ≈ HK$29,434/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$76,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,643
−HK$918/mo
▼ 0.25% · 3.875%
HK$15,098
−HK$463/mo
Today · 4.125%
HK$15,561
baseline
▲ 0.50% · 4.625%
HK$16,508
+HK$947/mo
Deposit HK$1.38M · loan HK$3.21M · min. income ≈ HK$31,122/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$76,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,290
−HK$880/mo
▼ 0.25% · 3.875%
HK$16,727
−HK$443/mo
Today · 4.125%
HK$17,170
baseline
▲ 0.50% · 4.625%
HK$18,075
+HK$905/mo
Deposit HK$1.38M · loan HK$3.21M · min. income ≈ HK$34,340/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$76,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,827
−HK$1,180/mo
▼ 0.25% · 3.875%
HK$19,412
−HK$595/mo
Today · 4.125%
HK$20,007
baseline
▲ 0.50% · 4.625%
HK$21,225
+HK$1,218/mo
Deposit HK$459K · loan HK$4.13M · min. income ≈ HK$40,014/mo (50% DSR)
Upfront cash ≈ HK$535K (deposit + AVD stamp duty HK$76,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,944
−HK$1,132/mo
▼ 0.25% · 3.875%
HK$21,506
−HK$570/mo
Today · 4.125%
HK$22,076
baseline
▲ 0.50% · 4.625%
HK$23,240
+HK$1,164/mo
Deposit HK$459K · loan HK$4.13M · min. income ≈ HK$44,152/mo (50% DSR)
Upfront cash ≈ HK$535K (deposit + AVD stamp duty HK$76,187 · 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).