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$10,394
−HK$652/mo
▼ 0.25% · 3.875%
HK$10,717
−HK$329/mo
Today · 4.125%
HK$11,046
baseline
▲ 0.50% · 4.625%
HK$11,718
+HK$672/mo
Deposit HK$2.28M · loan HK$2.28M · min. income ≈ HK$22,092/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$73,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,563
−HK$625/mo
▼ 0.25% · 3.875%
HK$11,873
−HK$315/mo
Today · 4.125%
HK$12,188
baseline
▲ 0.50% · 4.625%
HK$12,831
+HK$643/mo
Deposit HK$2.28M · loan HK$2.28M · min. income ≈ HK$24,376/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$73,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,473
−HK$782/mo
▼ 0.25% · 3.875%
HK$12,861
−HK$394/mo
Today · 4.125%
HK$13,255
baseline
▲ 0.50% · 4.625%
HK$14,062
+HK$807/mo
Deposit HK$1.82M · loan HK$2.73M · min. income ≈ HK$26,510/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$73,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,876
−HK$750/mo
▼ 0.25% · 3.875%
HK$14,248
−HK$378/mo
Today · 4.125%
HK$14,626
baseline
▲ 0.50% · 4.625%
HK$15,397
+HK$771/mo
Deposit HK$1.82M · loan HK$2.73M · min. income ≈ HK$29,252/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$73,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,552
−HK$912/mo
▼ 0.25% · 3.875%
HK$15,004
−HK$460/mo
Today · 4.125%
HK$15,464
baseline
▲ 0.50% · 4.625%
HK$16,405
+HK$941/mo
Deposit HK$1.37M · loan HK$3.19M · min. income ≈ HK$30,928/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$73,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,189
−HK$874/mo
▼ 0.25% · 3.875%
HK$16,623
−HK$440/mo
Today · 4.125%
HK$17,063
baseline
▲ 0.50% · 4.625%
HK$17,963
+HK$900/mo
Deposit HK$1.37M · loan HK$3.19M · min. income ≈ HK$34,126/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$73,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,709
−HK$1,174/mo
▼ 0.25% · 3.875%
HK$19,291
−HK$592/mo
Today · 4.125%
HK$19,883
baseline
▲ 0.50% · 4.625%
HK$21,092
+HK$1,209/mo
Deposit HK$456K · loan HK$4.10M · min. income ≈ HK$39,766/mo (50% DSR)
Upfront cash ≈ HK$529K (deposit + AVD stamp duty HK$73,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,814
−HK$1,125/mo
▼ 0.25% · 3.875%
HK$21,372
−HK$567/mo
Today · 4.125%
HK$21,939
baseline
▲ 0.50% · 4.625%
HK$23,095
+HK$1,156/mo
Deposit HK$456K · loan HK$4.10M · min. income ≈ HK$43,878/mo (50% DSR)
Upfront cash ≈ HK$529K (deposit + AVD stamp duty HK$73,332 · 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).