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$10,154
−HK$637/mo
▼ 0.25% · 3.875%
HK$10,470
−HK$321/mo
Today · 4.125%
HK$10,791
baseline
▲ 0.50% · 4.625%
HK$11,447
+HK$656/mo
Deposit HK$2.23M · loan HK$2.23M · min. income ≈ HK$21,582/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$66,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,296
−HK$610/mo
▼ 0.25% · 3.875%
HK$11,599
−HK$307/mo
Today · 4.125%
HK$11,906
baseline
▲ 0.50% · 4.625%
HK$12,534
+HK$628/mo
Deposit HK$2.23M · loan HK$2.23M · min. income ≈ HK$23,812/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$66,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,185
−HK$764/mo
▼ 0.25% · 3.875%
HK$12,564
−HK$385/mo
Today · 4.125%
HK$12,949
baseline
▲ 0.50% · 4.625%
HK$13,736
+HK$787/mo
Deposit HK$1.78M · loan HK$2.67M · min. income ≈ HK$25,898/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$66,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,555
−HK$733/mo
▼ 0.25% · 3.875%
HK$13,919
−HK$369/mo
Today · 4.125%
HK$14,288
baseline
▲ 0.50% · 4.625%
HK$15,041
+HK$753/mo
Deposit HK$1.78M · loan HK$2.67M · min. income ≈ HK$28,576/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$66,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,215
−HK$892/mo
▼ 0.25% · 3.875%
HK$14,657
−HK$450/mo
Today · 4.125%
HK$15,107
baseline
▲ 0.50% · 4.625%
HK$16,026
+HK$919/mo
Deposit HK$1.34M · loan HK$3.12M · min. income ≈ HK$30,214/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$66,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,814
−HK$855/mo
▼ 0.25% · 3.875%
HK$16,238
−HK$431/mo
Today · 4.125%
HK$16,669
baseline
▲ 0.50% · 4.625%
HK$17,547
+HK$878/mo
Deposit HK$1.34M · loan HK$3.12M · min. income ≈ HK$33,338/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$66,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,277
−HK$1,146/mo
▼ 0.25% · 3.875%
HK$18,845
−HK$578/mo
Today · 4.125%
HK$19,423
baseline
▲ 0.50% · 4.625%
HK$20,605
+HK$1,182/mo
Deposit HK$445K · loan HK$4.01M · min. income ≈ HK$38,846/mo (50% DSR)
Upfront cash ≈ HK$512K (deposit + AVD stamp duty HK$66,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,333
−HK$1,098/mo
▼ 0.25% · 3.875%
HK$20,878
−HK$553/mo
Today · 4.125%
HK$21,431
baseline
▲ 0.50% · 4.625%
HK$22,561
+HK$1,130/mo
Deposit HK$445K · loan HK$4.01M · min. income ≈ HK$42,862/mo (50% DSR)
Upfront cash ≈ HK$512K (deposit + AVD stamp duty HK$66,794 · 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).