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$10,449
−HK$655/mo
▼ 0.25% · 3.875%
HK$10,774
−HK$330/mo
Today · 4.125%
HK$11,104
baseline
▲ 0.50% · 4.625%
HK$11,780
+HK$676/mo
Deposit HK$2.29M · loan HK$2.29M · min. income ≈ HK$22,208/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$75,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,624
−HK$628/mo
▼ 0.25% · 3.875%
HK$11,936
−HK$316/mo
Today · 4.125%
HK$12,252
baseline
▲ 0.50% · 4.625%
HK$12,898
+HK$646/mo
Deposit HK$2.29M · loan HK$2.29M · min. income ≈ HK$24,504/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$75,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,539
−HK$786/mo
▼ 0.25% · 3.875%
HK$12,929
−HK$396/mo
Today · 4.125%
HK$13,325
baseline
▲ 0.50% · 4.625%
HK$14,136
+HK$811/mo
Deposit HK$1.83M · loan HK$2.75M · min. income ≈ HK$26,650/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$75,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,949
−HK$754/mo
▼ 0.25% · 3.875%
HK$14,323
−HK$380/mo
Today · 4.125%
HK$14,703
baseline
▲ 0.50% · 4.625%
HK$15,478
+HK$775/mo
Deposit HK$1.83M · loan HK$2.75M · min. income ≈ HK$29,406/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$75,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,628
−HK$918/mo
▼ 0.25% · 3.875%
HK$15,084
−HK$462/mo
Today · 4.125%
HK$15,546
baseline
▲ 0.50% · 4.625%
HK$16,492
+HK$946/mo
Deposit HK$1.37M · loan HK$3.21M · min. income ≈ HK$31,092/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$75,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,274
−HK$879/mo
▼ 0.25% · 3.875%
HK$16,711
−HK$442/mo
Today · 4.125%
HK$17,153
baseline
▲ 0.50% · 4.625%
HK$18,057
+HK$904/mo
Deposit HK$1.37M · loan HK$3.21M · min. income ≈ HK$34,306/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$75,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,808
−HK$1,179/mo
▼ 0.25% · 3.875%
HK$19,393
−HK$594/mo
Today · 4.125%
HK$19,987
baseline
▲ 0.50% · 4.625%
HK$21,204
+HK$1,217/mo
Deposit HK$458K · loan HK$4.12M · min. income ≈ HK$39,974/mo (50% DSR)
Upfront cash ≈ HK$534K (deposit + AVD stamp duty HK$75,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,924
−HK$1,130/mo
▼ 0.25% · 3.875%
HK$21,485
−HK$569/mo
Today · 4.125%
HK$22,054
baseline
▲ 0.50% · 4.625%
HK$23,217
+HK$1,163/mo
Deposit HK$458K · loan HK$4.12M · min. income ≈ HK$44,108/mo (50% DSR)
Upfront cash ≈ HK$534K (deposit + AVD stamp duty HK$75,735 · 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).