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$10,340
−HK$648/mo
▼ 0.25% · 3.875%
HK$10,661
−HK$327/mo
Today · 4.125%
HK$10,988
baseline
▲ 0.50% · 4.625%
HK$11,657
+HK$669/mo
Deposit HK$2.27M · loan HK$2.27M · min. income ≈ HK$21,976/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$70,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,503
−HK$621/mo
▼ 0.25% · 3.875%
HK$11,811
−HK$313/mo
Today · 4.125%
HK$12,124
baseline
▲ 0.50% · 4.625%
HK$12,763
+HK$639/mo
Deposit HK$2.27M · loan HK$2.27M · min. income ≈ HK$24,248/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$70,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,408
−HK$778/mo
▼ 0.25% · 3.875%
HK$12,794
−HK$392/mo
Today · 4.125%
HK$13,186
baseline
▲ 0.50% · 4.625%
HK$13,988
+HK$802/mo
Deposit HK$1.81M · loan HK$2.72M · min. income ≈ HK$26,372/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$70,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,803
−HK$746/mo
▼ 0.25% · 3.875%
HK$14,174
−HK$375/mo
Today · 4.125%
HK$14,549
baseline
▲ 0.50% · 4.625%
HK$15,316
+HK$767/mo
Deposit HK$1.81M · loan HK$2.72M · min. income ≈ HK$29,098/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$70,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,476
−HK$907/mo
▼ 0.25% · 3.875%
HK$14,926
−HK$457/mo
Today · 4.125%
HK$15,383
baseline
▲ 0.50% · 4.625%
HK$16,319
+HK$936/mo
Deposit HK$1.36M · loan HK$3.17M · min. income ≈ HK$30,766/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$70,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,104
−HK$870/mo
▼ 0.25% · 3.875%
HK$16,536
−HK$438/mo
Today · 4.125%
HK$16,974
baseline
▲ 0.50% · 4.625%
HK$17,869
+HK$895/mo
Deposit HK$1.36M · loan HK$3.17M · min. income ≈ HK$33,948/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$70,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,612
−HK$1,167/mo
▼ 0.25% · 3.875%
HK$19,190
−HK$589/mo
Today · 4.125%
HK$19,779
baseline
▲ 0.50% · 4.625%
HK$20,982
+HK$1,203/mo
Deposit HK$453K · loan HK$4.08M · min. income ≈ HK$39,558/mo (50% DSR)
Upfront cash ≈ HK$524K (deposit + AVD stamp duty HK$70,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,705
−HK$1,119/mo
▼ 0.25% · 3.875%
HK$21,260
−HK$564/mo
Today · 4.125%
HK$21,824
baseline
▲ 0.50% · 4.625%
HK$22,974
+HK$1,150/mo
Deposit HK$453K · loan HK$4.08M · min. income ≈ HK$43,648/mo (50% DSR)
Upfront cash ≈ HK$524K (deposit + AVD stamp duty HK$70,947 · 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).