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$10,300
−HK$646/mo
▼ 0.25% · 3.875%
HK$10,621
−HK$325/mo
Today · 4.125%
HK$10,946
baseline
▲ 0.50% · 4.625%
HK$11,612
+HK$666/mo
Deposit HK$2.26M · loan HK$2.26M · min. income ≈ HK$21,892/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$69,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,459
−HK$619/mo
▼ 0.25% · 3.875%
HK$11,766
−HK$312/mo
Today · 4.125%
HK$12,078
baseline
▲ 0.50% · 4.625%
HK$12,715
+HK$637/mo
Deposit HK$2.26M · loan HK$2.26M · min. income ≈ HK$24,156/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$69,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,360
−HK$775/mo
▼ 0.25% · 3.875%
HK$12,745
−HK$390/mo
Today · 4.125%
HK$13,135
baseline
▲ 0.50% · 4.625%
HK$13,935
+HK$800/mo
Deposit HK$1.81M · loan HK$2.71M · min. income ≈ HK$26,270/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$69,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,751
−HK$743/mo
▼ 0.25% · 3.875%
HK$14,120
−HK$374/mo
Today · 4.125%
HK$14,494
baseline
▲ 0.50% · 4.625%
HK$15,258
+HK$764/mo
Deposit HK$1.81M · loan HK$2.71M · min. income ≈ HK$28,988/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$69,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,420
−HK$905/mo
▼ 0.25% · 3.875%
HK$14,869
−HK$456/mo
Today · 4.125%
HK$15,325
baseline
▲ 0.50% · 4.625%
HK$16,257
+HK$932/mo
Deposit HK$1.36M · loan HK$3.16M · min. income ≈ HK$30,650/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$69,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,043
−HK$866/mo
▼ 0.25% · 3.875%
HK$16,473
−HK$436/mo
Today · 4.125%
HK$16,909
baseline
▲ 0.50% · 4.625%
HK$17,801
+HK$892/mo
Deposit HK$1.36M · loan HK$3.16M · min. income ≈ HK$33,818/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$69,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,540
−HK$1,163/mo
▼ 0.25% · 3.875%
HK$19,117
−HK$586/mo
Today · 4.125%
HK$19,703
baseline
▲ 0.50% · 4.625%
HK$20,902
+HK$1,199/mo
Deposit HK$452K · loan HK$4.07M · min. income ≈ HK$39,406/mo (50% DSR)
Upfront cash ≈ HK$521K (deposit + AVD stamp duty HK$69,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,626
−HK$1,114/mo
▼ 0.25% · 3.875%
HK$21,179
−HK$561/mo
Today · 4.125%
HK$21,740
baseline
▲ 0.50% · 4.625%
HK$22,886
+HK$1,146/mo
Deposit HK$452K · loan HK$4.07M · min. income ≈ HK$43,480/mo (50% DSR)
Upfront cash ≈ HK$521K (deposit + AVD stamp duty HK$69,216 · 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).