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$10,345
−HK$649/mo
▼ 0.25% · 3.875%
HK$10,667
−HK$327/mo
Today · 4.125%
HK$10,994
baseline
▲ 0.50% · 4.625%
HK$11,663
+HK$669/mo
Deposit HK$2.27M · loan HK$2.27M · min. income ≈ HK$21,988/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$71,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,509
−HK$622/mo
▼ 0.25% · 3.875%
HK$11,817
−HK$314/mo
Today · 4.125%
HK$12,131
baseline
▲ 0.50% · 4.625%
HK$12,770
+HK$639/mo
Deposit HK$2.27M · loan HK$2.27M · min. income ≈ HK$24,262/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$71,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,414
−HK$779/mo
▼ 0.25% · 3.875%
HK$12,800
−HK$393/mo
Today · 4.125%
HK$13,193
baseline
▲ 0.50% · 4.625%
HK$13,995
+HK$802/mo
Deposit HK$1.81M · loan HK$2.72M · min. income ≈ HK$26,386/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$71,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,811
−HK$746/mo
▼ 0.25% · 3.875%
HK$14,181
−HK$376/mo
Today · 4.125%
HK$14,557
baseline
▲ 0.50% · 4.625%
HK$15,324
+HK$767/mo
Deposit HK$1.81M · loan HK$2.72M · min. income ≈ HK$29,114/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$71,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,483
−HK$908/mo
▼ 0.25% · 3.875%
HK$14,934
−HK$457/mo
Today · 4.125%
HK$15,391
baseline
▲ 0.50% · 4.625%
HK$16,328
+HK$937/mo
Deposit HK$1.36M · loan HK$3.18M · min. income ≈ HK$30,782/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$71,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,112
−HK$871/mo
▼ 0.25% · 3.875%
HK$16,544
−HK$439/mo
Today · 4.125%
HK$16,983
baseline
▲ 0.50% · 4.625%
HK$17,878
+HK$895/mo
Deposit HK$1.36M · loan HK$3.18M · min. income ≈ HK$33,966/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$71,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,621
−HK$1,168/mo
▼ 0.25% · 3.875%
HK$19,200
−HK$589/mo
Today · 4.125%
HK$19,789
baseline
▲ 0.50% · 4.625%
HK$20,993
+HK$1,204/mo
Deposit HK$454K · loan HK$4.08M · min. income ≈ HK$39,578/mo (50% DSR)
Upfront cash ≈ HK$525K (deposit + AVD stamp duty HK$71,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,716
−HK$1,119/mo
▼ 0.25% · 3.875%
HK$21,271
−HK$564/mo
Today · 4.125%
HK$21,835
baseline
▲ 0.50% · 4.625%
HK$22,986
+HK$1,151/mo
Deposit HK$454K · loan HK$4.08M · min. income ≈ HK$43,670/mo (50% DSR)
Upfront cash ≈ HK$525K (deposit + AVD stamp duty HK$71,179 · 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).