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$10,173
−HK$637/mo
▼ 0.25% · 3.875%
HK$10,489
−HK$321/mo
Today · 4.125%
HK$10,810
baseline
▲ 0.50% · 4.625%
HK$11,468
+HK$658/mo
Deposit HK$2.23M · loan HK$2.23M · min. income ≈ HK$21,620/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$66,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,317
−HK$611/mo
▼ 0.25% · 3.875%
HK$11,620
−HK$308/mo
Today · 4.125%
HK$11,928
baseline
▲ 0.50% · 4.625%
HK$12,557
+HK$629/mo
Deposit HK$2.23M · loan HK$2.23M · min. income ≈ HK$23,856/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$66,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,207
−HK$766/mo
▼ 0.25% · 3.875%
HK$12,587
−HK$386/mo
Today · 4.125%
HK$12,973
baseline
▲ 0.50% · 4.625%
HK$13,762
+HK$789/mo
Deposit HK$1.78M · loan HK$2.68M · min. income ≈ HK$25,946/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$66,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,580
−HK$734/mo
▼ 0.25% · 3.875%
HK$13,944
−HK$370/mo
Today · 4.125%
HK$14,314
baseline
▲ 0.50% · 4.625%
HK$15,068
+HK$754/mo
Deposit HK$1.78M · loan HK$2.68M · min. income ≈ HK$28,628/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$66,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,242
−HK$893/mo
▼ 0.25% · 3.875%
HK$14,685
−HK$450/mo
Today · 4.125%
HK$15,135
baseline
▲ 0.50% · 4.625%
HK$16,056
+HK$921/mo
Deposit HK$1.34M · loan HK$3.12M · min. income ≈ HK$30,270/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$66,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,844
−HK$856/mo
▼ 0.25% · 3.875%
HK$16,269
−HK$431/mo
Today · 4.125%
HK$16,700
baseline
▲ 0.50% · 4.625%
HK$17,580
+HK$880/mo
Deposit HK$1.34M · loan HK$3.12M · min. income ≈ HK$33,400/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$66,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,311
−HK$1,148/mo
▼ 0.25% · 3.875%
HK$18,880
−HK$579/mo
Today · 4.125%
HK$19,459
baseline
▲ 0.50% · 4.625%
HK$20,643
+HK$1,184/mo
Deposit HK$446K · loan HK$4.02M · min. income ≈ HK$38,918/mo (50% DSR)
Upfront cash ≈ HK$513K (deposit + AVD stamp duty HK$66,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,370
−HK$1,101/mo
▼ 0.25% · 3.875%
HK$20,917
−HK$554/mo
Today · 4.125%
HK$21,471
baseline
▲ 0.50% · 4.625%
HK$22,603
+HK$1,132/mo
Deposit HK$446K · loan HK$4.02M · min. income ≈ HK$42,942/mo (50% DSR)
Upfront cash ≈ HK$513K (deposit + AVD stamp duty HK$66,918 · 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).