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$10,361
−HK$649/mo
▼ 0.25% · 3.875%
HK$10,683
−HK$327/mo
Today · 4.125%
HK$11,010
baseline
▲ 0.50% · 4.625%
HK$11,680
+HK$670/mo
Deposit HK$2.27M · loan HK$2.27M · min. income ≈ HK$22,020/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$71,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,526
−HK$623/mo
▼ 0.25% · 3.875%
HK$11,835
−HK$314/mo
Today · 4.125%
HK$12,149
baseline
▲ 0.50% · 4.625%
HK$12,789
+HK$640/mo
Deposit HK$2.27M · loan HK$2.27M · min. income ≈ HK$24,298/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$71,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,433
−HK$780/mo
▼ 0.25% · 3.875%
HK$12,820
−HK$393/mo
Today · 4.125%
HK$13,213
baseline
▲ 0.50% · 4.625%
HK$14,017
+HK$804/mo
Deposit HK$1.82M · loan HK$2.73M · min. income ≈ HK$26,426/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$71,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,831
−HK$748/mo
▼ 0.25% · 3.875%
HK$14,202
−HK$377/mo
Today · 4.125%
HK$14,579
baseline
▲ 0.50% · 4.625%
HK$15,347
+HK$768/mo
Deposit HK$1.82M · loan HK$2.73M · min. income ≈ HK$29,158/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$71,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,505
−HK$910/mo
▼ 0.25% · 3.875%
HK$14,956
−HK$459/mo
Today · 4.125%
HK$15,415
baseline
▲ 0.50% · 4.625%
HK$16,353
+HK$938/mo
Deposit HK$1.36M · loan HK$3.18M · min. income ≈ HK$30,830/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$71,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,137
−HK$872/mo
▼ 0.25% · 3.875%
HK$16,570
−HK$439/mo
Today · 4.125%
HK$17,009
baseline
▲ 0.50% · 4.625%
HK$17,905
+HK$896/mo
Deposit HK$1.36M · loan HK$3.18M · min. income ≈ HK$34,018/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$71,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,649
−HK$1,170/mo
▼ 0.25% · 3.875%
HK$19,229
−HK$590/mo
Today · 4.125%
HK$19,819
baseline
▲ 0.50% · 4.625%
HK$21,025
+HK$1,206/mo
Deposit HK$454K · loan HK$4.09M · min. income ≈ HK$39,638/mo (50% DSR)
Upfront cash ≈ HK$526K (deposit + AVD stamp duty HK$71,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,747
−HK$1,121/mo
▼ 0.25% · 3.875%
HK$21,304
−HK$564/mo
Today · 4.125%
HK$21,868
baseline
▲ 0.50% · 4.625%
HK$23,021
+HK$1,153/mo
Deposit HK$454K · loan HK$4.09M · min. income ≈ HK$43,736/mo (50% DSR)
Upfront cash ≈ HK$526K (deposit + AVD stamp duty HK$71,869 · 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).