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$10,336
−HK$648/mo
▼ 0.25% · 3.875%
HK$10,657
−HK$327/mo
Today · 4.125%
HK$10,984
baseline
▲ 0.50% · 4.625%
HK$11,652
+HK$668/mo
Deposit HK$2.27M · loan HK$2.27M · min. income ≈ HK$21,968/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$70,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,499
−HK$621/mo
▼ 0.25% · 3.875%
HK$11,807
−HK$313/mo
Today · 4.125%
HK$12,120
baseline
▲ 0.50% · 4.625%
HK$12,759
+HK$639/mo
Deposit HK$2.27M · loan HK$2.27M · min. income ≈ HK$24,240/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$70,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,403
−HK$778/mo
▼ 0.25% · 3.875%
HK$12,789
−HK$392/mo
Today · 4.125%
HK$13,181
baseline
▲ 0.50% · 4.625%
HK$13,983
+HK$802/mo
Deposit HK$1.81M · loan HK$2.72M · min. income ≈ HK$26,362/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$70,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,798
−HK$746/mo
▼ 0.25% · 3.875%
HK$14,168
−HK$376/mo
Today · 4.125%
HK$14,544
baseline
▲ 0.50% · 4.625%
HK$15,310
+HK$766/mo
Deposit HK$1.81M · loan HK$2.72M · min. income ≈ HK$29,088/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$70,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,470
−HK$908/mo
▼ 0.25% · 3.875%
HK$14,920
−HK$458/mo
Today · 4.125%
HK$15,378
baseline
▲ 0.50% · 4.625%
HK$16,313
+HK$935/mo
Deposit HK$1.36M · loan HK$3.17M · min. income ≈ HK$30,756/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$70,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,098
−HK$870/mo
▼ 0.25% · 3.875%
HK$16,530
−HK$438/mo
Today · 4.125%
HK$16,968
baseline
▲ 0.50% · 4.625%
HK$17,862
+HK$894/mo
Deposit HK$1.36M · loan HK$3.17M · min. income ≈ HK$33,936/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$70,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,605
−HK$1,166/mo
▼ 0.25% · 3.875%
HK$19,183
−HK$588/mo
Today · 4.125%
HK$19,771
baseline
▲ 0.50% · 4.625%
HK$20,974
+HK$1,203/mo
Deposit HK$453K · loan HK$4.08M · min. income ≈ HK$39,542/mo (50% DSR)
Upfront cash ≈ HK$524K (deposit + AVD stamp duty HK$70,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,697
−HK$1,119/mo
▼ 0.25% · 3.875%
HK$21,252
−HK$564/mo
Today · 4.125%
HK$21,816
baseline
▲ 0.50% · 4.625%
HK$22,966
+HK$1,150/mo
Deposit HK$453K · loan HK$4.08M · min. income ≈ HK$43,632/mo (50% DSR)
Upfront cash ≈ HK$524K (deposit + AVD stamp duty HK$70,777 · 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).