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$10,405
−HK$653/mo
▼ 0.25% · 3.875%
HK$10,729
−HK$329/mo
Today · 4.125%
HK$11,058
baseline
▲ 0.50% · 4.625%
HK$11,730
+HK$672/mo
Deposit HK$2.28M · loan HK$2.28M · min. income ≈ HK$22,116/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$73,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,576
−HK$625/mo
▼ 0.25% · 3.875%
HK$11,886
−HK$315/mo
Today · 4.125%
HK$12,201
baseline
▲ 0.50% · 4.625%
HK$12,844
+HK$643/mo
Deposit HK$2.28M · loan HK$2.28M · min. income ≈ HK$24,402/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$73,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,486
−HK$783/mo
▼ 0.25% · 3.875%
HK$12,875
−HK$394/mo
Today · 4.125%
HK$13,269
baseline
▲ 0.50% · 4.625%
HK$14,077
+HK$808/mo
Deposit HK$1.83M · loan HK$2.74M · min. income ≈ HK$26,538/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$73,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,891
−HK$750/mo
▼ 0.25% · 3.875%
HK$14,263
−HK$378/mo
Today · 4.125%
HK$14,641
baseline
▲ 0.50% · 4.625%
HK$15,413
+HK$772/mo
Deposit HK$1.83M · loan HK$2.74M · min. income ≈ HK$29,282/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$73,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,567
−HK$914/mo
▼ 0.25% · 3.875%
HK$15,020
−HK$461/mo
Today · 4.125%
HK$15,481
baseline
▲ 0.50% · 4.625%
HK$16,423
+HK$942/mo
Deposit HK$1.37M · loan HK$3.19M · min. income ≈ HK$30,962/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$73,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,206
−HK$875/mo
▼ 0.25% · 3.875%
HK$16,640
−HK$441/mo
Today · 4.125%
HK$17,081
baseline
▲ 0.50% · 4.625%
HK$17,982
+HK$901/mo
Deposit HK$1.37M · loan HK$3.19M · min. income ≈ HK$34,162/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$73,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,729
−HK$1,175/mo
▼ 0.25% · 3.875%
HK$19,312
−HK$592/mo
Today · 4.125%
HK$19,904
baseline
▲ 0.50% · 4.625%
HK$21,115
+HK$1,211/mo
Deposit HK$456K · loan HK$4.11M · min. income ≈ HK$39,808/mo (50% DSR)
Upfront cash ≈ HK$530K (deposit + AVD stamp duty HK$73,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,836
−HK$1,126/mo
▼ 0.25% · 3.875%
HK$21,395
−HK$567/mo
Today · 4.125%
HK$21,962
baseline
▲ 0.50% · 4.625%
HK$23,119
+HK$1,157/mo
Deposit HK$456K · loan HK$4.11M · min. income ≈ HK$43,924/mo (50% DSR)
Upfront cash ≈ HK$530K (deposit + AVD stamp duty HK$73,814 · 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).