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$10,428
−HK$654/mo
▼ 0.25% · 3.875%
HK$10,752
−HK$330/mo
Today · 4.125%
HK$11,082
baseline
▲ 0.50% · 4.625%
HK$11,756
+HK$674/mo
Deposit HK$2.29M · loan HK$2.29M · min. income ≈ HK$22,164/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$74,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,601
−HK$627/mo
▼ 0.25% · 3.875%
HK$11,912
−HK$316/mo
Today · 4.125%
HK$12,228
baseline
▲ 0.50% · 4.625%
HK$12,872
+HK$644/mo
Deposit HK$2.29M · loan HK$2.29M · min. income ≈ HK$24,456/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$74,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,513
−HK$785/mo
▼ 0.25% · 3.875%
HK$12,903
−HK$395/mo
Today · 4.125%
HK$13,298
baseline
▲ 0.50% · 4.625%
HK$14,107
+HK$809/mo
Deposit HK$1.83M · loan HK$2.74M · min. income ≈ HK$26,596/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$74,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,921
−HK$752/mo
▼ 0.25% · 3.875%
HK$14,294
−HK$379/mo
Today · 4.125%
HK$14,673
baseline
▲ 0.50% · 4.625%
HK$15,447
+HK$774/mo
Deposit HK$1.83M · loan HK$2.74M · min. income ≈ HK$29,346/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$74,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,599
−HK$916/mo
▼ 0.25% · 3.875%
HK$15,053
−HK$462/mo
Today · 4.125%
HK$15,515
baseline
▲ 0.50% · 4.625%
HK$16,459
+HK$944/mo
Deposit HK$1.37M · loan HK$3.20M · min. income ≈ HK$31,030/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$74,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,241
−HK$878/mo
▼ 0.25% · 3.875%
HK$16,677
−HK$442/mo
Today · 4.125%
HK$17,119
baseline
▲ 0.50% · 4.625%
HK$18,021
+HK$902/mo
Deposit HK$1.37M · loan HK$3.20M · min. income ≈ HK$34,238/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$74,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,770
−HK$1,177/mo
▼ 0.25% · 3.875%
HK$19,354
−HK$593/mo
Today · 4.125%
HK$19,947
baseline
▲ 0.50% · 4.625%
HK$21,161
+HK$1,214/mo
Deposit HK$457K · loan HK$4.12M · min. income ≈ HK$39,894/mo (50% DSR)
Upfront cash ≈ HK$532K (deposit + AVD stamp duty HK$74,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,882
−HK$1,128/mo
▼ 0.25% · 3.875%
HK$21,442
−HK$568/mo
Today · 4.125%
HK$22,010
baseline
▲ 0.50% · 4.625%
HK$23,170
+HK$1,160/mo
Deposit HK$457K · loan HK$4.12M · min. income ≈ HK$44,020/mo (50% DSR)
Upfront cash ≈ HK$532K (deposit + AVD stamp duty HK$74,813 · 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).