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$10,365
−HK$650/mo
▼ 0.25% · 3.875%
HK$10,688
−HK$327/mo
Today · 4.125%
HK$11,015
baseline
▲ 0.50% · 4.625%
HK$11,686
+HK$671/mo
Deposit HK$2.27M · loan HK$2.27M · min. income ≈ HK$22,030/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$72,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,531
−HK$623/mo
▼ 0.25% · 3.875%
HK$11,841
−HK$313/mo
Today · 4.125%
HK$12,154
baseline
▲ 0.50% · 4.625%
HK$12,795
+HK$641/mo
Deposit HK$2.27M · loan HK$2.27M · min. income ≈ HK$24,308/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$72,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,438
−HK$780/mo
▼ 0.25% · 3.875%
HK$12,825
−HK$393/mo
Today · 4.125%
HK$13,218
baseline
▲ 0.50% · 4.625%
HK$14,023
+HK$805/mo
Deposit HK$1.82M · loan HK$2.73M · min. income ≈ HK$26,436/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$72,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,838
−HK$747/mo
▼ 0.25% · 3.875%
HK$14,209
−HK$376/mo
Today · 4.125%
HK$14,585
baseline
▲ 0.50% · 4.625%
HK$15,354
+HK$769/mo
Deposit HK$1.82M · loan HK$2.73M · min. income ≈ HK$29,170/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$72,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,511
−HK$910/mo
▼ 0.25% · 3.875%
HK$14,963
−HK$458/mo
Today · 4.125%
HK$15,421
baseline
▲ 0.50% · 4.625%
HK$16,360
+HK$939/mo
Deposit HK$1.36M · loan HK$3.18M · min. income ≈ HK$30,842/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$72,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,144
−HK$872/mo
▼ 0.25% · 3.875%
HK$16,577
−HK$439/mo
Today · 4.125%
HK$17,016
baseline
▲ 0.50% · 4.625%
HK$17,913
+HK$897/mo
Deposit HK$1.36M · loan HK$3.18M · min. income ≈ HK$34,032/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$72,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,658
−HK$1,170/mo
▼ 0.25% · 3.875%
HK$19,238
−HK$590/mo
Today · 4.125%
HK$19,828
baseline
▲ 0.50% · 4.625%
HK$21,034
+HK$1,206/mo
Deposit HK$455K · loan HK$4.09M · min. income ≈ HK$39,656/mo (50% DSR)
Upfront cash ≈ HK$527K (deposit + AVD stamp duty HK$72,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,756
−HK$1,122/mo
▼ 0.25% · 3.875%
HK$21,313
−HK$565/mo
Today · 4.125%
HK$21,878
baseline
▲ 0.50% · 4.625%
HK$23,031
+HK$1,153/mo
Deposit HK$455K · loan HK$4.09M · min. income ≈ HK$43,756/mo (50% DSR)
Upfront cash ≈ HK$527K (deposit + AVD stamp duty HK$72,067 · 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).