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$10,225
−HK$641/mo
▼ 0.25% · 3.875%
HK$10,543
−HK$323/mo
Today · 4.125%
HK$10,866
baseline
▲ 0.50% · 4.625%
HK$11,527
+HK$661/mo
Deposit HK$2.24M · loan HK$2.24M · min. income ≈ HK$21,732/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$67,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,375
−HK$614/mo
▼ 0.25% · 3.875%
HK$11,680
−HK$309/mo
Today · 4.125%
HK$11,989
baseline
▲ 0.50% · 4.625%
HK$12,621
+HK$632/mo
Deposit HK$2.24M · loan HK$2.24M · min. income ≈ HK$23,978/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$67,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,269
−HK$770/mo
▼ 0.25% · 3.875%
HK$12,651
−HK$388/mo
Today · 4.125%
HK$13,039
baseline
▲ 0.50% · 4.625%
HK$13,832
+HK$793/mo
Deposit HK$1.79M · loan HK$2.69M · min. income ≈ HK$26,078/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$67,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,650
−HK$737/mo
▼ 0.25% · 3.875%
HK$14,016
−HK$371/mo
Today · 4.125%
HK$14,387
baseline
▲ 0.50% · 4.625%
HK$15,145
+HK$758/mo
Deposit HK$1.79M · loan HK$2.69M · min. income ≈ HK$28,774/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$67,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,314
−HK$898/mo
▼ 0.25% · 3.875%
HK$14,760
−HK$452/mo
Today · 4.125%
HK$15,212
baseline
▲ 0.50% · 4.625%
HK$16,138
+HK$926/mo
Deposit HK$1.35M · loan HK$3.14M · min. income ≈ HK$30,424/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$67,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,925
−HK$860/mo
▼ 0.25% · 3.875%
HK$16,352
−HK$433/mo
Today · 4.125%
HK$16,785
baseline
▲ 0.50% · 4.625%
HK$17,670
+HK$885/mo
Deposit HK$1.35M · loan HK$3.14M · min. income ≈ HK$33,570/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$67,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,404
−HK$1,154/mo
▼ 0.25% · 3.875%
HK$18,977
−HK$581/mo
Today · 4.125%
HK$19,558
baseline
▲ 0.50% · 4.625%
HK$20,748
+HK$1,190/mo
Deposit HK$448K · loan HK$4.04M · min. income ≈ HK$39,116/mo (50% DSR)
Upfront cash ≈ HK$516K (deposit + AVD stamp duty HK$67,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,474
−HK$1,107/mo
▼ 0.25% · 3.875%
HK$21,024
−HK$557/mo
Today · 4.125%
HK$21,581
baseline
▲ 0.50% · 4.625%
HK$22,718
+HK$1,137/mo
Deposit HK$448K · loan HK$4.04M · min. income ≈ HK$43,162/mo (50% DSR)
Upfront cash ≈ HK$516K (deposit + AVD stamp duty HK$67,260 · 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).