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$10,330
−HK$648/mo
▼ 0.25% · 3.875%
HK$10,652
−HK$326/mo
Today · 4.125%
HK$10,978
baseline
▲ 0.50% · 4.625%
HK$11,646
+HK$668/mo
Deposit HK$2.27M · loan HK$2.27M · min. income ≈ HK$21,956/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$70,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,492
−HK$621/mo
▼ 0.25% · 3.875%
HK$11,801
−HK$312/mo
Today · 4.125%
HK$12,113
baseline
▲ 0.50% · 4.625%
HK$12,752
+HK$639/mo
Deposit HK$2.27M · loan HK$2.27M · min. income ≈ HK$24,226/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$70,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,396
−HK$778/mo
▼ 0.25% · 3.875%
HK$12,782
−HK$392/mo
Today · 4.125%
HK$13,174
baseline
▲ 0.50% · 4.625%
HK$13,975
+HK$801/mo
Deposit HK$1.81M · loan HK$2.72M · min. income ≈ HK$26,348/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$70,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,791
−HK$745/mo
▼ 0.25% · 3.875%
HK$14,161
−HK$375/mo
Today · 4.125%
HK$14,536
baseline
▲ 0.50% · 4.625%
HK$15,302
+HK$766/mo
Deposit HK$1.81M · loan HK$2.72M · min. income ≈ HK$29,072/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$70,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,462
−HK$907/mo
▼ 0.25% · 3.875%
HK$14,912
−HK$457/mo
Today · 4.125%
HK$15,369
baseline
▲ 0.50% · 4.625%
HK$16,305
+HK$936/mo
Deposit HK$1.36M · loan HK$3.17M · min. income ≈ HK$30,738/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$70,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,089
−HK$870/mo
▼ 0.25% · 3.875%
HK$16,521
−HK$438/mo
Today · 4.125%
HK$16,959
baseline
▲ 0.50% · 4.625%
HK$17,852
+HK$893/mo
Deposit HK$1.36M · loan HK$3.17M · min. income ≈ HK$33,918/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$70,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,595
−HK$1,166/mo
▼ 0.25% · 3.875%
HK$19,173
−HK$588/mo
Today · 4.125%
HK$19,761
baseline
▲ 0.50% · 4.625%
HK$20,963
+HK$1,202/mo
Deposit HK$453K · loan HK$4.08M · min. income ≈ HK$39,522/mo (50% DSR)
Upfront cash ≈ HK$524K (deposit + AVD stamp duty HK$70,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,686
−HK$1,118/mo
▼ 0.25% · 3.875%
HK$21,241
−HK$563/mo
Today · 4.125%
HK$21,804
baseline
▲ 0.50% · 4.625%
HK$22,953
+HK$1,149/mo
Deposit HK$453K · loan HK$4.08M · min. income ≈ HK$43,608/mo (50% DSR)
Upfront cash ≈ HK$524K (deposit + AVD stamp duty HK$70,533 · 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).