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$10,166
−HK$638/mo
▼ 0.25% · 3.875%
HK$10,482
−HK$322/mo
Today · 4.125%
HK$10,804
baseline
▲ 0.50% · 4.625%
HK$11,461
+HK$657/mo
Deposit HK$2.23M · loan HK$2.23M · min. income ≈ HK$21,608/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$66,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,310
−HK$611/mo
▼ 0.25% · 3.875%
HK$11,613
−HK$308/mo
Today · 4.125%
HK$11,921
baseline
▲ 0.50% · 4.625%
HK$12,549
+HK$628/mo
Deposit HK$2.23M · loan HK$2.23M · min. income ≈ HK$23,842/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$66,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,199
−HK$765/mo
▼ 0.25% · 3.875%
HK$12,579
−HK$385/mo
Today · 4.125%
HK$12,964
baseline
▲ 0.50% · 4.625%
HK$13,753
+HK$789/mo
Deposit HK$1.78M · loan HK$2.67M · min. income ≈ HK$25,928/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$66,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,572
−HK$733/mo
▼ 0.25% · 3.875%
HK$13,935
−HK$370/mo
Today · 4.125%
HK$14,305
baseline
▲ 0.50% · 4.625%
HK$15,059
+HK$754/mo
Deposit HK$1.78M · loan HK$2.67M · min. income ≈ HK$28,610/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$66,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,232
−HK$893/mo
▼ 0.25% · 3.875%
HK$14,675
−HK$450/mo
Today · 4.125%
HK$15,125
baseline
▲ 0.50% · 4.625%
HK$16,045
+HK$920/mo
Deposit HK$1.34M · loan HK$3.12M · min. income ≈ HK$30,250/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$66,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,833
−HK$856/mo
▼ 0.25% · 3.875%
HK$16,258
−HK$431/mo
Today · 4.125%
HK$16,689
baseline
▲ 0.50% · 4.625%
HK$17,569
+HK$880/mo
Deposit HK$1.34M · loan HK$3.12M · min. income ≈ HK$33,378/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$66,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,299
−HK$1,147/mo
▼ 0.25% · 3.875%
HK$18,868
−HK$578/mo
Today · 4.125%
HK$19,446
baseline
▲ 0.50% · 4.625%
HK$20,630
+HK$1,184/mo
Deposit HK$446K · loan HK$4.01M · min. income ≈ HK$38,892/mo (50% DSR)
Upfront cash ≈ HK$513K (deposit + AVD stamp duty HK$66,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,357
−HK$1,100/mo
▼ 0.25% · 3.875%
HK$20,903
−HK$554/mo
Today · 4.125%
HK$21,457
baseline
▲ 0.50% · 4.625%
HK$22,588
+HK$1,131/mo
Deposit HK$446K · loan HK$4.01M · min. income ≈ HK$42,914/mo (50% DSR)
Upfront cash ≈ HK$513K (deposit + AVD stamp duty HK$66,875 · 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).