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$10,357
−HK$650/mo
▼ 0.25% · 3.875%
HK$10,680
−HK$327/mo
Today · 4.125%
HK$11,007
baseline
▲ 0.50% · 4.625%
HK$11,677
+HK$670/mo
Deposit HK$2.27M · loan HK$2.27M · min. income ≈ HK$22,014/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$71,722 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,523
−HK$622/mo
▼ 0.25% · 3.875%
HK$11,832
−HK$313/mo
Today · 4.125%
HK$12,145
baseline
▲ 0.50% · 4.625%
HK$12,785
+HK$640/mo
Deposit HK$2.27M · loan HK$2.27M · min. income ≈ HK$24,290/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$71,722 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,429
−HK$779/mo
▼ 0.25% · 3.875%
HK$12,816
−HK$392/mo
Today · 4.125%
HK$13,208
baseline
▲ 0.50% · 4.625%
HK$14,012
+HK$804/mo
Deposit HK$1.82M · loan HK$2.73M · min. income ≈ HK$26,416/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$71,722 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,827
−HK$747/mo
▼ 0.25% · 3.875%
HK$14,198
−HK$376/mo
Today · 4.125%
HK$14,574
baseline
▲ 0.50% · 4.625%
HK$15,342
+HK$768/mo
Deposit HK$1.82M · loan HK$2.73M · min. income ≈ HK$29,148/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$71,722 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,500
−HK$910/mo
▼ 0.25% · 3.875%
HK$14,951
−HK$459/mo
Today · 4.125%
HK$15,410
baseline
▲ 0.50% · 4.625%
HK$16,347
+HK$937/mo
Deposit HK$1.36M · loan HK$3.18M · min. income ≈ HK$30,820/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$71,722 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,132
−HK$871/mo
▼ 0.25% · 3.875%
HK$16,564
−HK$439/mo
Today · 4.125%
HK$17,003
baseline
▲ 0.50% · 4.625%
HK$17,899
+HK$896/mo
Deposit HK$1.36M · loan HK$3.18M · min. income ≈ HK$34,006/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$71,722 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,643
−HK$1,169/mo
▼ 0.25% · 3.875%
HK$19,223
−HK$589/mo
Today · 4.125%
HK$19,812
baseline
▲ 0.50% · 4.625%
HK$21,018
+HK$1,206/mo
Deposit HK$454K · loan HK$4.09M · min. income ≈ HK$39,624/mo (50% DSR)
Upfront cash ≈ HK$526K (deposit + AVD stamp duty HK$71,722 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,741
−HK$1,120/mo
▼ 0.25% · 3.875%
HK$21,297
−HK$564/mo
Today · 4.125%
HK$21,861
baseline
▲ 0.50% · 4.625%
HK$23,013
+HK$1,152/mo
Deposit HK$454K · loan HK$4.09M · min. income ≈ HK$43,722/mo (50% DSR)
Upfront cash ≈ HK$526K (deposit + AVD stamp duty HK$71,722 · 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).