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$10,287
−HK$646/mo
▼ 0.25% · 3.875%
HK$10,607
−HK$326/mo
Today · 4.125%
HK$10,933
baseline
▲ 0.50% · 4.625%
HK$11,598
+HK$665/mo
Deposit HK$2.26M · loan HK$2.26M · min. income ≈ HK$21,866/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$68,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,445
−HK$618/mo
▼ 0.25% · 3.875%
HK$11,752
−HK$311/mo
Today · 4.125%
HK$12,063
baseline
▲ 0.50% · 4.625%
HK$12,699
+HK$636/mo
Deposit HK$2.26M · loan HK$2.26M · min. income ≈ HK$24,126/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$68,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,345
−HK$774/mo
▼ 0.25% · 3.875%
HK$12,729
−HK$390/mo
Today · 4.125%
HK$13,119
baseline
▲ 0.50% · 4.625%
HK$13,917
+HK$798/mo
Deposit HK$1.80M · loan HK$2.71M · min. income ≈ HK$26,238/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$68,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,734
−HK$742/mo
▼ 0.25% · 3.875%
HK$14,102
−HK$374/mo
Today · 4.125%
HK$14,476
baseline
▲ 0.50% · 4.625%
HK$15,239
+HK$763/mo
Deposit HK$1.80M · loan HK$2.71M · min. income ≈ HK$28,952/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$68,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,402
−HK$904/mo
▼ 0.25% · 3.875%
HK$14,850
−HK$456/mo
Today · 4.125%
HK$15,306
baseline
▲ 0.50% · 4.625%
HK$16,237
+HK$931/mo
Deposit HK$1.35M · loan HK$3.16M · min. income ≈ HK$30,612/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$68,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,023
−HK$865/mo
▼ 0.25% · 3.875%
HK$16,452
−HK$436/mo
Today · 4.125%
HK$16,888
baseline
▲ 0.50% · 4.625%
HK$17,778
+HK$890/mo
Deposit HK$1.35M · loan HK$3.16M · min. income ≈ HK$33,776/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$68,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,517
−HK$1,162/mo
▼ 0.25% · 3.875%
HK$19,093
−HK$586/mo
Today · 4.125%
HK$19,679
baseline
▲ 0.50% · 4.625%
HK$20,876
+HK$1,197/mo
Deposit HK$451K · loan HK$4.06M · min. income ≈ HK$39,358/mo (50% DSR)
Upfront cash ≈ HK$520K (deposit + AVD stamp duty HK$68,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,600
−HK$1,113/mo
▼ 0.25% · 3.875%
HK$21,153
−HK$560/mo
Today · 4.125%
HK$21,713
baseline
▲ 0.50% · 4.625%
HK$22,858
+HK$1,145/mo
Deposit HK$451K · loan HK$4.06M · min. income ≈ HK$43,426/mo (50% DSR)
Upfront cash ≈ HK$520K (deposit + AVD stamp duty HK$68,654 · 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).