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$10,229
−HK$641/mo
▼ 0.25% · 3.875%
HK$10,547
−HK$323/mo
Today · 4.125%
HK$10,870
baseline
▲ 0.50% · 4.625%
HK$11,531
+HK$661/mo
Deposit HK$2.24M · loan HK$2.24M · min. income ≈ HK$21,740/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$67,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,379
−HK$615/mo
▼ 0.25% · 3.875%
HK$11,684
−HK$310/mo
Today · 4.125%
HK$11,994
baseline
▲ 0.50% · 4.625%
HK$12,626
+HK$632/mo
Deposit HK$2.24M · loan HK$2.24M · min. income ≈ HK$23,988/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$67,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,274
−HK$770/mo
▼ 0.25% · 3.875%
HK$12,656
−HK$388/mo
Today · 4.125%
HK$13,044
baseline
▲ 0.50% · 4.625%
HK$13,838
+HK$794/mo
Deposit HK$1.79M · loan HK$2.69M · min. income ≈ HK$26,088/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$67,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,655
−HK$738/mo
▼ 0.25% · 3.875%
HK$14,021
−HK$372/mo
Today · 4.125%
HK$14,393
baseline
▲ 0.50% · 4.625%
HK$15,151
+HK$758/mo
Deposit HK$1.79M · loan HK$2.69M · min. income ≈ HK$28,786/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$67,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,320
−HK$898/mo
▼ 0.25% · 3.875%
HK$14,765
−HK$453/mo
Today · 4.125%
HK$15,218
baseline
▲ 0.50% · 4.625%
HK$16,144
+HK$926/mo
Deposit HK$1.35M · loan HK$3.14M · min. income ≈ HK$30,436/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$67,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,931
−HK$861/mo
▼ 0.25% · 3.875%
HK$16,358
−HK$434/mo
Today · 4.125%
HK$16,792
baseline
▲ 0.50% · 4.625%
HK$17,677
+HK$885/mo
Deposit HK$1.35M · loan HK$3.14M · min. income ≈ HK$33,584/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$67,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,411
−HK$1,155/mo
▼ 0.25% · 3.875%
HK$18,984
−HK$582/mo
Today · 4.125%
HK$19,566
baseline
▲ 0.50% · 4.625%
HK$20,757
+HK$1,191/mo
Deposit HK$449K · loan HK$4.04M · min. income ≈ HK$39,132/mo (50% DSR)
Upfront cash ≈ HK$516K (deposit + AVD stamp duty HK$67,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,483
−HK$1,106/mo
▼ 0.25% · 3.875%
HK$21,032
−HK$557/mo
Today · 4.125%
HK$21,589
baseline
▲ 0.50% · 4.625%
HK$22,727
+HK$1,138/mo
Deposit HK$449K · loan HK$4.04M · min. income ≈ HK$43,178/mo (50% DSR)
Upfront cash ≈ HK$516K (deposit + AVD stamp duty HK$67,286 · 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).