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$10,296
−HK$646/mo
▼ 0.25% · 3.875%
HK$10,617
−HK$325/mo
Today · 4.125%
HK$10,942
baseline
▲ 0.50% · 4.625%
HK$11,608
+HK$666/mo
Deposit HK$2.26M · loan HK$2.26M · min. income ≈ HK$21,884/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$69,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,454
−HK$619/mo
▼ 0.25% · 3.875%
HK$11,762
−HK$311/mo
Today · 4.125%
HK$12,073
baseline
▲ 0.50% · 4.625%
HK$12,710
+HK$637/mo
Deposit HK$2.26M · loan HK$2.26M · min. income ≈ HK$24,146/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$69,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,356
−HK$774/mo
▼ 0.25% · 3.875%
HK$12,740
−HK$390/mo
Today · 4.125%
HK$13,130
baseline
▲ 0.50% · 4.625%
HK$13,929
+HK$799/mo
Deposit HK$1.81M · loan HK$2.71M · min. income ≈ HK$26,260/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$69,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,745
−HK$743/mo
▼ 0.25% · 3.875%
HK$14,114
−HK$374/mo
Today · 4.125%
HK$14,488
baseline
▲ 0.50% · 4.625%
HK$15,252
+HK$764/mo
Deposit HK$1.81M · loan HK$2.71M · min. income ≈ HK$28,976/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$69,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,415
−HK$904/mo
▼ 0.25% · 3.875%
HK$14,863
−HK$456/mo
Today · 4.125%
HK$15,319
baseline
▲ 0.50% · 4.625%
HK$16,251
+HK$932/mo
Deposit HK$1.35M · loan HK$3.16M · min. income ≈ HK$30,638/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$69,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,036
−HK$867/mo
▼ 0.25% · 3.875%
HK$16,466
−HK$437/mo
Today · 4.125%
HK$16,903
baseline
▲ 0.50% · 4.625%
HK$17,794
+HK$891/mo
Deposit HK$1.35M · loan HK$3.16M · min. income ≈ HK$33,806/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$69,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,533
−HK$1,162/mo
▼ 0.25% · 3.875%
HK$19,110
−HK$585/mo
Today · 4.125%
HK$19,695
baseline
▲ 0.50% · 4.625%
HK$20,894
+HK$1,199/mo
Deposit HK$452K · loan HK$4.06M · min. income ≈ HK$39,390/mo (50% DSR)
Upfront cash ≈ HK$521K (deposit + AVD stamp duty HK$69,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,618
−HK$1,114/mo
▼ 0.25% · 3.875%
HK$21,171
−HK$561/mo
Today · 4.125%
HK$21,732
baseline
▲ 0.50% · 4.625%
HK$22,878
+HK$1,146/mo
Deposit HK$452K · loan HK$4.06M · min. income ≈ HK$43,464/mo (50% DSR)
Upfront cash ≈ HK$521K (deposit + AVD stamp duty HK$69,040 · 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).