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$10,349
−HK$649/mo
▼ 0.25% · 3.875%
HK$10,671
−HK$327/mo
Today · 4.125%
HK$10,998
baseline
▲ 0.50% · 4.625%
HK$11,667
+HK$669/mo
Deposit HK$2.27M · loan HK$2.27M · min. income ≈ HK$21,996/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$71,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,513
−HK$622/mo
▼ 0.25% · 3.875%
HK$11,822
−HK$313/mo
Today · 4.125%
HK$12,135
baseline
▲ 0.50% · 4.625%
HK$12,775
+HK$640/mo
Deposit HK$2.27M · loan HK$2.27M · min. income ≈ HK$24,270/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$71,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,419
−HK$778/mo
▼ 0.25% · 3.875%
HK$12,805
−HK$392/mo
Today · 4.125%
HK$13,197
baseline
▲ 0.50% · 4.625%
HK$14,000
+HK$803/mo
Deposit HK$1.82M · loan HK$2.72M · min. income ≈ HK$26,394/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$71,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,816
−HK$746/mo
▼ 0.25% · 3.875%
HK$14,186
−HK$376/mo
Today · 4.125%
HK$14,562
baseline
▲ 0.50% · 4.625%
HK$15,330
+HK$768/mo
Deposit HK$1.82M · loan HK$2.72M · min. income ≈ HK$29,124/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$71,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,488
−HK$909/mo
▼ 0.25% · 3.875%
HK$14,939
−HK$458/mo
Today · 4.125%
HK$15,397
baseline
▲ 0.50% · 4.625%
HK$16,334
+HK$937/mo
Deposit HK$1.36M · loan HK$3.18M · min. income ≈ HK$30,794/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$71,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,118
−HK$871/mo
▼ 0.25% · 3.875%
HK$16,551
−HK$438/mo
Today · 4.125%
HK$16,989
baseline
▲ 0.50% · 4.625%
HK$17,885
+HK$896/mo
Deposit HK$1.36M · loan HK$3.18M · min. income ≈ HK$33,978/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$71,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,628
−HK$1,168/mo
▼ 0.25% · 3.875%
HK$19,207
−HK$589/mo
Today · 4.125%
HK$19,796
baseline
▲ 0.50% · 4.625%
HK$21,001
+HK$1,205/mo
Deposit HK$454K · loan HK$4.08M · min. income ≈ HK$39,592/mo (50% DSR)
Upfront cash ≈ HK$525K (deposit + AVD stamp duty HK$71,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,723
−HK$1,120/mo
▼ 0.25% · 3.875%
HK$21,279
−HK$564/mo
Today · 4.125%
HK$21,843
baseline
▲ 0.50% · 4.625%
HK$22,994
+HK$1,151/mo
Deposit HK$454K · loan HK$4.08M · min. income ≈ HK$43,686/mo (50% DSR)
Upfront cash ≈ HK$525K (deposit + AVD stamp duty HK$71,348 · 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).