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$10,174
−HK$638/mo
▼ 0.25% · 3.875%
HK$10,491
−HK$321/mo
Today · 4.125%
HK$10,812
baseline
▲ 0.50% · 4.625%
HK$11,470
+HK$658/mo
Deposit HK$2.23M · loan HK$2.23M · min. income ≈ HK$21,624/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$66,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,319
−HK$611/mo
▼ 0.25% · 3.875%
HK$11,622
−HK$308/mo
Today · 4.125%
HK$11,930
baseline
▲ 0.50% · 4.625%
HK$12,559
+HK$629/mo
Deposit HK$2.23M · loan HK$2.23M · min. income ≈ HK$23,860/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$66,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,209
−HK$766/mo
▼ 0.25% · 3.875%
HK$12,589
−HK$386/mo
Today · 4.125%
HK$12,975
baseline
▲ 0.50% · 4.625%
HK$13,764
+HK$789/mo
Deposit HK$1.78M · loan HK$2.68M · min. income ≈ HK$25,950/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$66,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,583
−HK$734/mo
▼ 0.25% · 3.875%
HK$13,947
−HK$370/mo
Today · 4.125%
HK$14,317
baseline
▲ 0.50% · 4.625%
HK$15,071
+HK$754/mo
Deposit HK$1.78M · loan HK$2.68M · min. income ≈ HK$28,634/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$66,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,244
−HK$893/mo
▼ 0.25% · 3.875%
HK$14,687
−HK$450/mo
Today · 4.125%
HK$15,137
baseline
▲ 0.50% · 4.625%
HK$16,058
+HK$921/mo
Deposit HK$1.34M · loan HK$3.12M · min. income ≈ HK$30,274/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$66,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,847
−HK$856/mo
▼ 0.25% · 3.875%
HK$16,271
−HK$432/mo
Today · 4.125%
HK$16,703
baseline
▲ 0.50% · 4.625%
HK$17,583
+HK$880/mo
Deposit HK$1.34M · loan HK$3.12M · min. income ≈ HK$33,406/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$66,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,314
−HK$1,148/mo
▼ 0.25% · 3.875%
HK$18,884
−HK$578/mo
Today · 4.125%
HK$19,462
baseline
▲ 0.50% · 4.625%
HK$20,647
+HK$1,185/mo
Deposit HK$446K · loan HK$4.02M · min. income ≈ HK$38,924/mo (50% DSR)
Upfront cash ≈ HK$513K (deposit + AVD stamp duty HK$66,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,374
−HK$1,101/mo
▼ 0.25% · 3.875%
HK$20,920
−HK$555/mo
Today · 4.125%
HK$21,475
baseline
▲ 0.50% · 4.625%
HK$22,607
+HK$1,132/mo
Deposit HK$446K · loan HK$4.02M · min. income ≈ HK$42,950/mo (50% DSR)
Upfront cash ≈ HK$513K (deposit + AVD stamp duty HK$66,930 · 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).