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$10,387
−HK$651/mo
▼ 0.25% · 3.875%
HK$10,710
−HK$328/mo
Today · 4.125%
HK$11,038
baseline
▲ 0.50% · 4.625%
HK$11,710
+HK$672/mo
Deposit HK$2.28M · loan HK$2.28M · min. income ≈ HK$22,076/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$73,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,555
−HK$625/mo
▼ 0.25% · 3.875%
HK$11,865
−HK$315/mo
Today · 4.125%
HK$12,180
baseline
▲ 0.50% · 4.625%
HK$12,822
+HK$642/mo
Deposit HK$2.28M · loan HK$2.28M · min. income ≈ HK$24,360/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$73,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,464
−HK$782/mo
▼ 0.25% · 3.875%
HK$12,852
−HK$394/mo
Today · 4.125%
HK$13,246
baseline
▲ 0.50% · 4.625%
HK$14,052
+HK$806/mo
Deposit HK$1.82M · loan HK$2.73M · min. income ≈ HK$26,492/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$73,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,866
−HK$749/mo
▼ 0.25% · 3.875%
HK$14,238
−HK$377/mo
Today · 4.125%
HK$14,615
baseline
▲ 0.50% · 4.625%
HK$15,386
+HK$771/mo
Deposit HK$1.82M · loan HK$2.73M · min. income ≈ HK$29,230/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$73,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,542
−HK$911/mo
▼ 0.25% · 3.875%
HK$14,994
−HK$459/mo
Today · 4.125%
HK$15,453
baseline
▲ 0.50% · 4.625%
HK$16,394
+HK$941/mo
Deposit HK$1.37M · loan HK$3.19M · min. income ≈ HK$30,906/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$73,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,177
−HK$874/mo
▼ 0.25% · 3.875%
HK$16,611
−HK$440/mo
Today · 4.125%
HK$17,051
baseline
▲ 0.50% · 4.625%
HK$17,950
+HK$899/mo
Deposit HK$1.37M · loan HK$3.19M · min. income ≈ HK$34,102/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$73,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,696
−HK$1,173/mo
▼ 0.25% · 3.875%
HK$19,278
−HK$591/mo
Today · 4.125%
HK$19,869
baseline
▲ 0.50% · 4.625%
HK$21,078
+HK$1,209/mo
Deposit HK$456K · loan HK$4.10M · min. income ≈ HK$39,738/mo (50% DSR)
Upfront cash ≈ HK$529K (deposit + AVD stamp duty HK$73,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,799
−HK$1,124/mo
▼ 0.25% · 3.875%
HK$21,357
−HK$566/mo
Today · 4.125%
HK$21,923
baseline
▲ 0.50% · 4.625%
HK$23,079
+HK$1,156/mo
Deposit HK$456K · loan HK$4.10M · min. income ≈ HK$43,846/mo (50% DSR)
Upfront cash ≈ HK$529K (deposit + AVD stamp duty HK$73,011 · 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).