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$10,220
−HK$641/mo
▼ 0.25% · 3.875%
HK$10,538
−HK$323/mo
Today · 4.125%
HK$10,861
baseline
▲ 0.50% · 4.625%
HK$11,521
+HK$660/mo
Deposit HK$2.24M · loan HK$2.24M · min. income ≈ HK$21,722/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$67,228 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,369
−HK$615/mo
▼ 0.25% · 3.875%
HK$11,674
−HK$310/mo
Today · 4.125%
HK$11,984
baseline
▲ 0.50% · 4.625%
HK$12,615
+HK$631/mo
Deposit HK$2.24M · loan HK$2.24M · min. income ≈ HK$23,968/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$67,228 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,264
−HK$769/mo
▼ 0.25% · 3.875%
HK$12,645
−HK$388/mo
Today · 4.125%
HK$13,033
baseline
▲ 0.50% · 4.625%
HK$13,826
+HK$793/mo
Deposit HK$1.79M · loan HK$2.69M · min. income ≈ HK$26,066/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$67,228 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,643
−HK$737/mo
▼ 0.25% · 3.875%
HK$14,009
−HK$371/mo
Today · 4.125%
HK$14,380
baseline
▲ 0.50% · 4.625%
HK$15,138
+HK$758/mo
Deposit HK$1.79M · loan HK$2.69M · min. income ≈ HK$28,760/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$67,228 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,308
−HK$897/mo
▼ 0.25% · 3.875%
HK$14,753
−HK$452/mo
Today · 4.125%
HK$15,205
baseline
▲ 0.50% · 4.625%
HK$16,130
+HK$925/mo
Deposit HK$1.34M · loan HK$3.14M · min. income ≈ HK$30,410/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$67,228 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,917
−HK$860/mo
▼ 0.25% · 3.875%
HK$16,344
−HK$433/mo
Today · 4.125%
HK$16,777
baseline
▲ 0.50% · 4.625%
HK$17,661
+HK$884/mo
Deposit HK$1.34M · loan HK$3.14M · min. income ≈ HK$33,554/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$67,228 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,395
−HK$1,154/mo
▼ 0.25% · 3.875%
HK$18,968
−HK$581/mo
Today · 4.125%
HK$19,549
baseline
▲ 0.50% · 4.625%
HK$20,738
+HK$1,189/mo
Deposit HK$448K · loan HK$4.03M · min. income ≈ HK$39,098/mo (50% DSR)
Upfront cash ≈ HK$515K (deposit + AVD stamp duty HK$67,228 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,465
−HK$1,105/mo
▼ 0.25% · 3.875%
HK$21,014
−HK$556/mo
Today · 4.125%
HK$21,570
baseline
▲ 0.50% · 4.625%
HK$22,707
+HK$1,137/mo
Deposit HK$448K · loan HK$4.03M · min. income ≈ HK$43,140/mo (50% DSR)
Upfront cash ≈ HK$515K (deposit + AVD stamp duty HK$67,228 · 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).