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$10,208
−HK$640/mo
▼ 0.25% · 3.875%
HK$10,525
−HK$323/mo
Today · 4.125%
HK$10,848
baseline
▲ 0.50% · 4.625%
HK$11,508
+HK$660/mo
Deposit HK$2.24M · loan HK$2.24M · min. income ≈ HK$21,696/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$67,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,356
−HK$613/mo
▼ 0.25% · 3.875%
HK$11,661
−HK$308/mo
Today · 4.125%
HK$11,969
baseline
▲ 0.50% · 4.625%
HK$12,600
+HK$631/mo
Deposit HK$2.24M · loan HK$2.24M · min. income ≈ HK$23,938/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$67,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,249
−HK$768/mo
▼ 0.25% · 3.875%
HK$12,630
−HK$387/mo
Today · 4.125%
HK$13,017
baseline
▲ 0.50% · 4.625%
HK$13,809
+HK$792/mo
Deposit HK$1.79M · loan HK$2.69M · min. income ≈ HK$26,034/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$67,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,627
−HK$736/mo
▼ 0.25% · 3.875%
HK$13,993
−HK$370/mo
Today · 4.125%
HK$14,363
baseline
▲ 0.50% · 4.625%
HK$15,121
+HK$758/mo
Deposit HK$1.79M · loan HK$2.69M · min. income ≈ HK$28,726/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$67,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,291
−HK$896/mo
▼ 0.25% · 3.875%
HK$14,735
−HK$452/mo
Today · 4.125%
HK$15,187
baseline
▲ 0.50% · 4.625%
HK$16,111
+HK$924/mo
Deposit HK$1.34M · loan HK$3.13M · min. income ≈ HK$30,374/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$67,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,898
−HK$859/mo
▼ 0.25% · 3.875%
HK$16,325
−HK$432/mo
Today · 4.125%
HK$16,757
baseline
▲ 0.50% · 4.625%
HK$17,641
+HK$884/mo
Deposit HK$1.34M · loan HK$3.13M · min. income ≈ HK$33,514/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$67,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,374
−HK$1,152/mo
▼ 0.25% · 3.875%
HK$18,945
−HK$581/mo
Today · 4.125%
HK$19,526
baseline
▲ 0.50% · 4.625%
HK$20,714
+HK$1,188/mo
Deposit HK$448K · loan HK$4.03M · min. income ≈ HK$39,052/mo (50% DSR)
Upfront cash ≈ HK$515K (deposit + AVD stamp duty HK$67,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,441
−HK$1,104/mo
▼ 0.25% · 3.875%
HK$20,989
−HK$556/mo
Today · 4.125%
HK$21,545
baseline
▲ 0.50% · 4.625%
HK$22,681
+HK$1,136/mo
Deposit HK$448K · loan HK$4.03M · min. income ≈ HK$43,090/mo (50% DSR)
Upfront cash ≈ HK$515K (deposit + AVD stamp duty HK$67,149 · 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).