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$10,305
−HK$646/mo
▼ 0.25% · 3.875%
HK$10,625
−HK$326/mo
Today · 4.125%
HK$10,951
baseline
▲ 0.50% · 4.625%
HK$11,617
+HK$666/mo
Deposit HK$2.26M · loan HK$2.26M · min. income ≈ HK$21,902/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$69,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,464
−HK$619/mo
▼ 0.25% · 3.875%
HK$11,771
−HK$312/mo
Today · 4.125%
HK$12,083
baseline
▲ 0.50% · 4.625%
HK$12,720
+HK$637/mo
Deposit HK$2.26M · loan HK$2.26M · min. income ≈ HK$24,166/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$69,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,365
−HK$776/mo
▼ 0.25% · 3.875%
HK$12,750
−HK$391/mo
Today · 4.125%
HK$13,141
baseline
▲ 0.50% · 4.625%
HK$13,940
+HK$799/mo
Deposit HK$1.81M · loan HK$2.71M · min. income ≈ HK$26,282/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$69,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,756
−HK$744/mo
▼ 0.25% · 3.875%
HK$14,125
−HK$375/mo
Today · 4.125%
HK$14,500
baseline
▲ 0.50% · 4.625%
HK$15,264
+HK$764/mo
Deposit HK$1.81M · loan HK$2.71M · min. income ≈ HK$29,000/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$69,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,426
−HK$905/mo
▼ 0.25% · 3.875%
HK$14,875
−HK$456/mo
Today · 4.125%
HK$15,331
baseline
▲ 0.50% · 4.625%
HK$16,264
+HK$933/mo
Deposit HK$1.36M · loan HK$3.16M · min. income ≈ HK$30,662/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$69,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,049
−HK$867/mo
▼ 0.25% · 3.875%
HK$16,480
−HK$436/mo
Today · 4.125%
HK$16,916
baseline
▲ 0.50% · 4.625%
HK$17,808
+HK$892/mo
Deposit HK$1.36M · loan HK$3.16M · min. income ≈ HK$33,832/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$69,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,548
−HK$1,163/mo
▼ 0.25% · 3.875%
HK$19,125
−HK$586/mo
Today · 4.125%
HK$19,711
baseline
▲ 0.50% · 4.625%
HK$20,911
+HK$1,200/mo
Deposit HK$452K · loan HK$4.07M · min. income ≈ HK$39,422/mo (50% DSR)
Upfront cash ≈ HK$521K (deposit + AVD stamp duty HK$69,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,635
−HK$1,114/mo
▼ 0.25% · 3.875%
HK$21,188
−HK$561/mo
Today · 4.125%
HK$21,749
baseline
▲ 0.50% · 4.625%
HK$22,896
+HK$1,147/mo
Deposit HK$452K · loan HK$4.07M · min. income ≈ HK$43,498/mo (50% DSR)
Upfront cash ≈ HK$521K (deposit + AVD stamp duty HK$69,402 · 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).