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$10,306
−HK$646/mo
▼ 0.25% · 3.875%
HK$10,626
−HK$326/mo
Today · 4.125%
HK$10,952
baseline
▲ 0.50% · 4.625%
HK$11,618
+HK$666/mo
Deposit HK$2.26M · loan HK$2.26M · min. income ≈ HK$21,904/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$69,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,465
−HK$619/mo
▼ 0.25% · 3.875%
HK$11,772
−HK$312/mo
Today · 4.125%
HK$12,084
baseline
▲ 0.50% · 4.625%
HK$12,721
+HK$637/mo
Deposit HK$2.26M · loan HK$2.26M · min. income ≈ HK$24,168/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$69,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,367
−HK$775/mo
▼ 0.25% · 3.875%
HK$12,751
−HK$391/mo
Today · 4.125%
HK$13,142
baseline
▲ 0.50% · 4.625%
HK$13,942
+HK$800/mo
Deposit HK$1.81M · loan HK$2.71M · min. income ≈ HK$26,284/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$69,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,758
−HK$743/mo
▼ 0.25% · 3.875%
HK$14,127
−HK$374/mo
Today · 4.125%
HK$14,501
baseline
▲ 0.50% · 4.625%
HK$15,265
+HK$764/mo
Deposit HK$1.81M · loan HK$2.71M · min. income ≈ HK$29,002/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$69,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,428
−HK$904/mo
▼ 0.25% · 3.875%
HK$14,877
−HK$455/mo
Today · 4.125%
HK$15,332
baseline
▲ 0.50% · 4.625%
HK$16,265
+HK$933/mo
Deposit HK$1.36M · loan HK$3.16M · min. income ≈ HK$30,664/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$69,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,051
−HK$867/mo
▼ 0.25% · 3.875%
HK$16,481
−HK$437/mo
Today · 4.125%
HK$16,918
baseline
▲ 0.50% · 4.625%
HK$17,810
+HK$892/mo
Deposit HK$1.36M · loan HK$3.16M · min. income ≈ HK$33,836/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$69,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,550
−HK$1,163/mo
▼ 0.25% · 3.875%
HK$19,127
−HK$586/mo
Today · 4.125%
HK$19,713
baseline
▲ 0.50% · 4.625%
HK$20,913
+HK$1,200/mo
Deposit HK$452K · loan HK$4.07M · min. income ≈ HK$39,426/mo (50% DSR)
Upfront cash ≈ HK$521K (deposit + AVD stamp duty HK$69,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,637
−HK$1,115/mo
▼ 0.25% · 3.875%
HK$21,190
−HK$562/mo
Today · 4.125%
HK$21,752
baseline
▲ 0.50% · 4.625%
HK$22,898
+HK$1,146/mo
Deposit HK$452K · loan HK$4.07M · min. income ≈ HK$43,504/mo (50% DSR)
Upfront cash ≈ HK$521K (deposit + AVD stamp duty HK$69,447 · 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).