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$10,185
−HK$638/mo
▼ 0.25% · 3.875%
HK$10,501
−HK$322/mo
Today · 4.125%
HK$10,823
baseline
▲ 0.50% · 4.625%
HK$11,482
+HK$659/mo
Deposit HK$2.23M · loan HK$2.23M · min. income ≈ HK$21,646/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$66,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,330
−HK$612/mo
▼ 0.25% · 3.875%
HK$11,634
−HK$308/mo
Today · 4.125%
HK$11,942
baseline
▲ 0.50% · 4.625%
HK$12,572
+HK$630/mo
Deposit HK$2.23M · loan HK$2.23M · min. income ≈ HK$23,884/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$66,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,221
−HK$767/mo
▼ 0.25% · 3.875%
HK$12,602
−HK$386/mo
Today · 4.125%
HK$12,988
baseline
▲ 0.50% · 4.625%
HK$13,778
+HK$790/mo
Deposit HK$1.79M · loan HK$2.68M · min. income ≈ HK$25,976/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$66,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,596
−HK$735/mo
▼ 0.25% · 3.875%
HK$13,961
−HK$370/mo
Today · 4.125%
HK$14,331
baseline
▲ 0.50% · 4.625%
HK$15,086
+HK$755/mo
Deposit HK$1.79M · loan HK$2.68M · min. income ≈ HK$28,662/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$66,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,258
−HK$895/mo
▼ 0.25% · 3.875%
HK$14,702
−HK$451/mo
Today · 4.125%
HK$15,153
baseline
▲ 0.50% · 4.625%
HK$16,075
+HK$922/mo
Deposit HK$1.34M · loan HK$3.13M · min. income ≈ HK$30,306/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$66,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,862
−HK$857/mo
▼ 0.25% · 3.875%
HK$16,288
−HK$431/mo
Today · 4.125%
HK$16,719
baseline
▲ 0.50% · 4.625%
HK$17,601
+HK$882/mo
Deposit HK$1.34M · loan HK$3.13M · min. income ≈ HK$33,438/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$66,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,332
−HK$1,150/mo
▼ 0.25% · 3.875%
HK$18,902
−HK$580/mo
Today · 4.125%
HK$19,482
baseline
▲ 0.50% · 4.625%
HK$20,667
+HK$1,185/mo
Deposit HK$447K · loan HK$4.02M · min. income ≈ HK$38,964/mo (50% DSR)
Upfront cash ≈ HK$514K (deposit + AVD stamp duty HK$66,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,394
−HK$1,102/mo
▼ 0.25% · 3.875%
HK$20,941
−HK$555/mo
Today · 4.125%
HK$21,496
baseline
▲ 0.50% · 4.625%
HK$22,629
+HK$1,133/mo
Deposit HK$447K · loan HK$4.02M · min. income ≈ HK$42,992/mo (50% DSR)
Upfront cash ≈ HK$514K (deposit + AVD stamp duty HK$66,997 · 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).