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$10,348
−HK$649/mo
▼ 0.25% · 3.875%
HK$10,670
−HK$327/mo
Today · 4.125%
HK$10,997
baseline
▲ 0.50% · 4.625%
HK$11,666
+HK$669/mo
Deposit HK$2.27M · loan HK$2.27M · min. income ≈ HK$21,994/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$71,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,512
−HK$622/mo
▼ 0.25% · 3.875%
HK$11,821
−HK$313/mo
Today · 4.125%
HK$12,134
baseline
▲ 0.50% · 4.625%
HK$12,774
+HK$640/mo
Deposit HK$2.27M · loan HK$2.27M · min. income ≈ HK$24,268/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$71,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,418
−HK$778/mo
▼ 0.25% · 3.875%
HK$12,804
−HK$392/mo
Today · 4.125%
HK$13,196
baseline
▲ 0.50% · 4.625%
HK$13,999
+HK$803/mo
Deposit HK$1.82M · loan HK$2.72M · min. income ≈ HK$26,392/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$71,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,815
−HK$746/mo
▼ 0.25% · 3.875%
HK$14,185
−HK$376/mo
Today · 4.125%
HK$14,561
baseline
▲ 0.50% · 4.625%
HK$15,328
+HK$767/mo
Deposit HK$1.82M · loan HK$2.72M · min. income ≈ HK$29,122/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$71,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,487
−HK$909/mo
▼ 0.25% · 3.875%
HK$14,938
−HK$458/mo
Today · 4.125%
HK$15,396
baseline
▲ 0.50% · 4.625%
HK$16,333
+HK$937/mo
Deposit HK$1.36M · loan HK$3.18M · min. income ≈ HK$30,792/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$71,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,117
−HK$871/mo
▼ 0.25% · 3.875%
HK$16,549
−HK$439/mo
Today · 4.125%
HK$16,988
baseline
▲ 0.50% · 4.625%
HK$17,883
+HK$895/mo
Deposit HK$1.36M · loan HK$3.18M · min. income ≈ HK$33,976/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$71,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,627
−HK$1,168/mo
▼ 0.25% · 3.875%
HK$19,206
−HK$589/mo
Today · 4.125%
HK$19,795
baseline
▲ 0.50% · 4.625%
HK$20,999
+HK$1,204/mo
Deposit HK$454K · loan HK$4.08M · min. income ≈ HK$39,590/mo (50% DSR)
Upfront cash ≈ HK$525K (deposit + AVD stamp duty HK$71,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,722
−HK$1,119/mo
▼ 0.25% · 3.875%
HK$21,278
−HK$563/mo
Today · 4.125%
HK$21,841
baseline
▲ 0.50% · 4.625%
HK$22,993
+HK$1,152/mo
Deposit HK$454K · loan HK$4.08M · min. income ≈ HK$43,682/mo (50% DSR)
Upfront cash ≈ HK$525K (deposit + AVD stamp duty HK$71,312 · 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).