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$10,303
−HK$646/mo
▼ 0.25% · 3.875%
HK$10,624
−HK$325/mo
Today · 4.125%
HK$10,949
baseline
▲ 0.50% · 4.625%
HK$11,616
+HK$667/mo
Deposit HK$2.26M · loan HK$2.26M · min. income ≈ HK$21,898/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$69,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,462
−HK$620/mo
▼ 0.25% · 3.875%
HK$11,770
−HK$312/mo
Today · 4.125%
HK$12,082
baseline
▲ 0.50% · 4.625%
HK$12,718
+HK$636/mo
Deposit HK$2.26M · loan HK$2.26M · min. income ≈ HK$24,164/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$69,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,364
−HK$775/mo
▼ 0.25% · 3.875%
HK$12,749
−HK$390/mo
Today · 4.125%
HK$13,139
baseline
▲ 0.50% · 4.625%
HK$13,939
+HK$800/mo
Deposit HK$1.81M · loan HK$2.71M · min. income ≈ HK$26,278/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$69,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,755
−HK$743/mo
▼ 0.25% · 3.875%
HK$14,124
−HK$374/mo
Today · 4.125%
HK$14,498
baseline
▲ 0.50% · 4.625%
HK$15,262
+HK$764/mo
Deposit HK$1.81M · loan HK$2.71M · min. income ≈ HK$28,996/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$69,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,425
−HK$904/mo
▼ 0.25% · 3.875%
HK$14,873
−HK$456/mo
Today · 4.125%
HK$15,329
baseline
▲ 0.50% · 4.625%
HK$16,262
+HK$933/mo
Deposit HK$1.36M · loan HK$3.16M · min. income ≈ HK$30,658/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$69,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,047
−HK$867/mo
▼ 0.25% · 3.875%
HK$16,478
−HK$436/mo
Today · 4.125%
HK$16,914
baseline
▲ 0.50% · 4.625%
HK$17,806
+HK$892/mo
Deposit HK$1.36M · loan HK$3.16M · min. income ≈ HK$33,828/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$69,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,546
−HK$1,163/mo
▼ 0.25% · 3.875%
HK$19,123
−HK$586/mo
Today · 4.125%
HK$19,709
baseline
▲ 0.50% · 4.625%
HK$20,908
+HK$1,199/mo
Deposit HK$452K · loan HK$4.07M · min. income ≈ HK$39,418/mo (50% DSR)
Upfront cash ≈ HK$521K (deposit + AVD stamp duty HK$69,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,632
−HK$1,115/mo
▼ 0.25% · 3.875%
HK$21,186
−HK$561/mo
Today · 4.125%
HK$21,747
baseline
▲ 0.50% · 4.625%
HK$22,893
+HK$1,146/mo
Deposit HK$452K · loan HK$4.07M · min. income ≈ HK$43,494/mo (50% DSR)
Upfront cash ≈ HK$521K (deposit + AVD stamp duty HK$69,349 · 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).