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$10,311
−HK$646/mo
▼ 0.25% · 3.875%
HK$10,631
−HK$326/mo
Today · 4.125%
HK$10,957
baseline
▲ 0.50% · 4.625%
HK$11,624
+HK$667/mo
Deposit HK$2.26M · loan HK$2.26M · min. income ≈ HK$21,914/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$69,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,471
−HK$619/mo
▼ 0.25% · 3.875%
HK$11,778
−HK$312/mo
Today · 4.125%
HK$12,090
baseline
▲ 0.50% · 4.625%
HK$12,728
+HK$638/mo
Deposit HK$2.26M · loan HK$2.26M · min. income ≈ HK$24,180/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$69,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,373
−HK$776/mo
▼ 0.25% · 3.875%
HK$12,758
−HK$391/mo
Today · 4.125%
HK$13,149
baseline
▲ 0.50% · 4.625%
HK$13,949
+HK$800/mo
Deposit HK$1.81M · loan HK$2.71M · min. income ≈ HK$26,298/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$69,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,765
−HK$743/mo
▼ 0.25% · 3.875%
HK$14,134
−HK$374/mo
Today · 4.125%
HK$14,508
baseline
▲ 0.50% · 4.625%
HK$15,273
+HK$765/mo
Deposit HK$1.81M · loan HK$2.71M · min. income ≈ HK$29,016/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$69,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,435
−HK$905/mo
▼ 0.25% · 3.875%
HK$14,884
−HK$456/mo
Today · 4.125%
HK$15,340
baseline
▲ 0.50% · 4.625%
HK$16,274
+HK$934/mo
Deposit HK$1.36M · loan HK$3.17M · min. income ≈ HK$30,680/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$69,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,059
−HK$867/mo
▼ 0.25% · 3.875%
HK$16,490
−HK$436/mo
Today · 4.125%
HK$16,926
baseline
▲ 0.50% · 4.625%
HK$17,819
+HK$893/mo
Deposit HK$1.36M · loan HK$3.17M · min. income ≈ HK$33,852/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$69,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,559
−HK$1,164/mo
▼ 0.25% · 3.875%
HK$19,137
−HK$586/mo
Today · 4.125%
HK$19,723
baseline
▲ 0.50% · 4.625%
HK$20,923
+HK$1,200/mo
Deposit HK$452K · loan HK$4.07M · min. income ≈ HK$39,446/mo (50% DSR)
Upfront cash ≈ HK$522K (deposit + AVD stamp duty HK$69,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,647
−HK$1,116/mo
▼ 0.25% · 3.875%
HK$21,201
−HK$562/mo
Today · 4.125%
HK$21,763
baseline
▲ 0.50% · 4.625%
HK$22,910
+HK$1,147/mo
Deposit HK$452K · loan HK$4.07M · min. income ≈ HK$43,526/mo (50% DSR)
Upfront cash ≈ HK$522K (deposit + AVD stamp duty HK$69,675 · 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).