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$10,385
−HK$651/mo
▼ 0.25% · 3.875%
HK$10,708
−HK$328/mo
Today · 4.125%
HK$11,036
baseline
▲ 0.50% · 4.625%
HK$11,708
+HK$672/mo
Deposit HK$2.28M · loan HK$2.28M · min. income ≈ HK$22,072/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$72,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,553
−HK$625/mo
▼ 0.25% · 3.875%
HK$11,863
−HK$315/mo
Today · 4.125%
HK$12,178
baseline
▲ 0.50% · 4.625%
HK$12,820
+HK$642/mo
Deposit HK$2.28M · loan HK$2.28M · min. income ≈ HK$24,356/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$72,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,462
−HK$782/mo
▼ 0.25% · 3.875%
HK$12,850
−HK$394/mo
Today · 4.125%
HK$13,244
baseline
▲ 0.50% · 4.625%
HK$14,050
+HK$806/mo
Deposit HK$1.82M · loan HK$2.73M · min. income ≈ HK$26,488/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$72,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,864
−HK$749/mo
▼ 0.25% · 3.875%
HK$14,236
−HK$377/mo
Today · 4.125%
HK$14,613
baseline
▲ 0.50% · 4.625%
HK$15,383
+HK$770/mo
Deposit HK$1.82M · loan HK$2.73M · min. income ≈ HK$29,226/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$72,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,539
−HK$912/mo
▼ 0.25% · 3.875%
HK$14,992
−HK$459/mo
Today · 4.125%
HK$15,451
baseline
▲ 0.50% · 4.625%
HK$16,391
+HK$940/mo
Deposit HK$1.37M · loan HK$3.19M · min. income ≈ HK$30,902/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$72,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,175
−HK$874/mo
▼ 0.25% · 3.875%
HK$16,609
−HK$440/mo
Today · 4.125%
HK$17,049
baseline
▲ 0.50% · 4.625%
HK$17,947
+HK$898/mo
Deposit HK$1.37M · loan HK$3.19M · min. income ≈ HK$34,098/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$72,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,693
−HK$1,173/mo
▼ 0.25% · 3.875%
HK$19,275
−HK$591/mo
Today · 4.125%
HK$19,866
baseline
▲ 0.50% · 4.625%
HK$21,074
+HK$1,208/mo
Deposit HK$455K · loan HK$4.10M · min. income ≈ HK$39,732/mo (50% DSR)
Upfront cash ≈ HK$528K (deposit + AVD stamp duty HK$72,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,796
−HK$1,124/mo
▼ 0.25% · 3.875%
HK$21,354
−HK$566/mo
Today · 4.125%
HK$21,920
baseline
▲ 0.50% · 4.625%
HK$23,075
+HK$1,155/mo
Deposit HK$455K · loan HK$4.10M · min. income ≈ HK$43,840/mo (50% DSR)
Upfront cash ≈ HK$528K (deposit + AVD stamp duty HK$72,940 · 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).