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$10,433
−HK$654/mo
▼ 0.25% · 3.875%
HK$10,757
−HK$330/mo
Today · 4.125%
HK$11,087
baseline
▲ 0.50% · 4.625%
HK$11,762
+HK$675/mo
Deposit HK$2.29M · loan HK$2.29M · min. income ≈ HK$22,174/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$75,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,606
−HK$627/mo
▼ 0.25% · 3.875%
HK$11,918
−HK$315/mo
Today · 4.125%
HK$12,233
baseline
▲ 0.50% · 4.625%
HK$12,878
+HK$645/mo
Deposit HK$2.29M · loan HK$2.29M · min. income ≈ HK$24,466/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$75,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,519
−HK$785/mo
▼ 0.25% · 3.875%
HK$12,909
−HK$395/mo
Today · 4.125%
HK$13,304
baseline
▲ 0.50% · 4.625%
HK$14,114
+HK$810/mo
Deposit HK$1.83M · loan HK$2.75M · min. income ≈ HK$26,608/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$75,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,928
−HK$752/mo
▼ 0.25% · 3.875%
HK$14,301
−HK$379/mo
Today · 4.125%
HK$14,680
baseline
▲ 0.50% · 4.625%
HK$15,454
+HK$774/mo
Deposit HK$1.83M · loan HK$2.75M · min. income ≈ HK$29,360/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$75,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,606
−HK$916/mo
▼ 0.25% · 3.875%
HK$15,060
−HK$462/mo
Today · 4.125%
HK$15,522
baseline
▲ 0.50% · 4.625%
HK$16,466
+HK$944/mo
Deposit HK$1.37M · loan HK$3.20M · min. income ≈ HK$31,044/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$75,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,249
−HK$878/mo
▼ 0.25% · 3.875%
HK$16,685
−HK$442/mo
Today · 4.125%
HK$17,127
baseline
▲ 0.50% · 4.625%
HK$18,029
+HK$902/mo
Deposit HK$1.37M · loan HK$3.20M · min. income ≈ HK$34,254/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$75,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,779
−HK$1,177/mo
▼ 0.25% · 3.875%
HK$19,363
−HK$593/mo
Today · 4.125%
HK$19,956
baseline
▲ 0.50% · 4.625%
HK$21,171
+HK$1,215/mo
Deposit HK$458K · loan HK$4.12M · min. income ≈ HK$39,912/mo (50% DSR)
Upfront cash ≈ HK$533K (deposit + AVD stamp duty HK$75,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,891
−HK$1,129/mo
▼ 0.25% · 3.875%
HK$21,452
−HK$568/mo
Today · 4.125%
HK$22,020
baseline
▲ 0.50% · 4.625%
HK$23,181
+HK$1,161/mo
Deposit HK$458K · loan HK$4.12M · min. income ≈ HK$44,040/mo (50% DSR)
Upfront cash ≈ HK$533K (deposit + AVD stamp duty HK$75,023 · 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).