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$10,440
−HK$654/mo
▼ 0.25% · 3.875%
HK$10,764
−HK$330/mo
Today · 4.125%
HK$11,094
baseline
▲ 0.50% · 4.625%
HK$11,769
+HK$675/mo
Deposit HK$2.29M · loan HK$2.29M · min. income ≈ HK$22,188/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$75,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,614
−HK$627/mo
▼ 0.25% · 3.875%
HK$11,926
−HK$315/mo
Today · 4.125%
HK$12,241
baseline
▲ 0.50% · 4.625%
HK$12,887
+HK$646/mo
Deposit HK$2.29M · loan HK$2.29M · min. income ≈ HK$24,482/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$75,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,528
−HK$785/mo
▼ 0.25% · 3.875%
HK$12,917
−HK$396/mo
Today · 4.125%
HK$13,313
baseline
▲ 0.50% · 4.625%
HK$14,123
+HK$810/mo
Deposit HK$1.83M · loan HK$2.75M · min. income ≈ HK$26,626/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$75,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,937
−HK$753/mo
▼ 0.25% · 3.875%
HK$14,311
−HK$379/mo
Today · 4.125%
HK$14,690
baseline
▲ 0.50% · 4.625%
HK$15,464
+HK$774/mo
Deposit HK$1.83M · loan HK$2.75M · min. income ≈ HK$29,380/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$75,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,616
−HK$916/mo
▼ 0.25% · 3.875%
HK$15,070
−HK$462/mo
Today · 4.125%
HK$15,532
baseline
▲ 0.50% · 4.625%
HK$16,477
+HK$945/mo
Deposit HK$1.37M · loan HK$3.20M · min. income ≈ HK$31,064/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$75,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,260
−HK$878/mo
▼ 0.25% · 3.875%
HK$16,696
−HK$442/mo
Today · 4.125%
HK$17,138
baseline
▲ 0.50% · 4.625%
HK$18,041
+HK$903/mo
Deposit HK$1.37M · loan HK$3.20M · min. income ≈ HK$34,276/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$75,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,791
−HK$1,179/mo
▼ 0.25% · 3.875%
HK$19,376
−HK$594/mo
Today · 4.125%
HK$19,970
baseline
▲ 0.50% · 4.625%
HK$21,185
+HK$1,215/mo
Deposit HK$458K · loan HK$4.12M · min. income ≈ HK$39,940/mo (50% DSR)
Upfront cash ≈ HK$533K (deposit + AVD stamp duty HK$75,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,905
−HK$1,130/mo
▼ 0.25% · 3.875%
HK$21,466
−HK$569/mo
Today · 4.125%
HK$22,035
baseline
▲ 0.50% · 4.625%
HK$23,196
+HK$1,161/mo
Deposit HK$458K · loan HK$4.12M · min. income ≈ HK$44,070/mo (50% DSR)
Upfront cash ≈ HK$533K (deposit + AVD stamp duty HK$75,329 · 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).