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$10,421
−HK$654/mo
▼ 0.25% · 3.875%
HK$10,745
−HK$330/mo
Today · 4.125%
HK$11,075
baseline
▲ 0.50% · 4.625%
HK$11,748
+HK$673/mo
Deposit HK$2.29M · loan HK$2.29M · min. income ≈ HK$22,150/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$74,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,593
−HK$627/mo
▼ 0.25% · 3.875%
HK$11,904
−HK$316/mo
Today · 4.125%
HK$12,220
baseline
▲ 0.50% · 4.625%
HK$12,864
+HK$644/mo
Deposit HK$2.29M · loan HK$2.29M · min. income ≈ HK$24,440/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$74,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,505
−HK$784/mo
▼ 0.25% · 3.875%
HK$12,894
−HK$395/mo
Today · 4.125%
HK$13,289
baseline
▲ 0.50% · 4.625%
HK$14,098
+HK$809/mo
Deposit HK$1.83M · loan HK$2.74M · min. income ≈ HK$26,578/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$74,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,912
−HK$752/mo
▼ 0.25% · 3.875%
HK$14,285
−HK$379/mo
Today · 4.125%
HK$14,664
baseline
▲ 0.50% · 4.625%
HK$15,437
+HK$773/mo
Deposit HK$1.83M · loan HK$2.74M · min. income ≈ HK$29,328/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$74,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,589
−HK$915/mo
▼ 0.25% · 3.875%
HK$15,043
−HK$461/mo
Today · 4.125%
HK$15,504
baseline
▲ 0.50% · 4.625%
HK$16,448
+HK$944/mo
Deposit HK$1.37M · loan HK$3.20M · min. income ≈ HK$31,008/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$74,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,231
−HK$877/mo
▼ 0.25% · 3.875%
HK$16,666
−HK$442/mo
Today · 4.125%
HK$17,108
baseline
▲ 0.50% · 4.625%
HK$18,009
+HK$901/mo
Deposit HK$1.37M · loan HK$3.20M · min. income ≈ HK$34,216/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$74,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,758
−HK$1,176/mo
▼ 0.25% · 3.875%
HK$19,341
−HK$593/mo
Today · 4.125%
HK$19,934
baseline
▲ 0.50% · 4.625%
HK$21,147
+HK$1,213/mo
Deposit HK$457K · loan HK$4.11M · min. income ≈ HK$39,868/mo (50% DSR)
Upfront cash ≈ HK$532K (deposit + AVD stamp duty HK$74,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,868
−HK$1,127/mo
▼ 0.25% · 3.875%
HK$21,428
−HK$567/mo
Today · 4.125%
HK$21,995
baseline
▲ 0.50% · 4.625%
HK$23,155
+HK$1,160/mo
Deposit HK$457K · loan HK$4.11M · min. income ≈ HK$43,990/mo (50% DSR)
Upfront cash ≈ HK$532K (deposit + AVD stamp duty HK$74,512 · 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).