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$10,290
−HK$645/mo
▼ 0.25% · 3.875%
HK$10,610
−HK$325/mo
Today · 4.125%
HK$10,935
baseline
▲ 0.50% · 4.625%
HK$11,601
+HK$666/mo
Deposit HK$2.26M · loan HK$2.26M · min. income ≈ HK$21,870/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$68,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,448
−HK$618/mo
▼ 0.25% · 3.875%
HK$11,755
−HK$311/mo
Today · 4.125%
HK$12,066
baseline
▲ 0.50% · 4.625%
HK$12,702
+HK$636/mo
Deposit HK$2.26M · loan HK$2.26M · min. income ≈ HK$24,132/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$68,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,348
−HK$774/mo
▼ 0.25% · 3.875%
HK$12,732
−HK$390/mo
Today · 4.125%
HK$13,122
baseline
▲ 0.50% · 4.625%
HK$13,921
+HK$799/mo
Deposit HK$1.81M · loan HK$2.71M · min. income ≈ HK$26,244/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$68,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,737
−HK$742/mo
▼ 0.25% · 3.875%
HK$14,106
−HK$373/mo
Today · 4.125%
HK$14,479
baseline
▲ 0.50% · 4.625%
HK$15,243
+HK$764/mo
Deposit HK$1.81M · loan HK$2.71M · min. income ≈ HK$28,958/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$68,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,406
−HK$904/mo
▼ 0.25% · 3.875%
HK$14,854
−HK$456/mo
Today · 4.125%
HK$15,310
baseline
▲ 0.50% · 4.625%
HK$16,241
+HK$931/mo
Deposit HK$1.35M · loan HK$3.16M · min. income ≈ HK$30,620/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$68,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,027
−HK$866/mo
▼ 0.25% · 3.875%
HK$16,457
−HK$436/mo
Today · 4.125%
HK$16,893
baseline
▲ 0.50% · 4.625%
HK$17,783
+HK$890/mo
Deposit HK$1.35M · loan HK$3.16M · min. income ≈ HK$33,786/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$68,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,522
−HK$1,162/mo
▼ 0.25% · 3.875%
HK$19,098
−HK$586/mo
Today · 4.125%
HK$19,684
baseline
▲ 0.50% · 4.625%
HK$20,881
+HK$1,197/mo
Deposit HK$451K · loan HK$4.06M · min. income ≈ HK$39,368/mo (50% DSR)
Upfront cash ≈ HK$520K (deposit + AVD stamp duty HK$68,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,606
−HK$1,113/mo
▼ 0.25% · 3.875%
HK$21,158
−HK$561/mo
Today · 4.125%
HK$21,719
baseline
▲ 0.50% · 4.625%
HK$22,864
+HK$1,145/mo
Deposit HK$451K · loan HK$4.06M · min. income ≈ HK$43,438/mo (50% DSR)
Upfront cash ≈ HK$520K (deposit + AVD stamp duty HK$68,771 · 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).