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$10,363
−HK$650/mo
▼ 0.25% · 3.875%
HK$10,685
−HK$328/mo
Today · 4.125%
HK$11,013
baseline
▲ 0.50% · 4.625%
HK$11,683
+HK$670/mo
Deposit HK$2.27M · loan HK$2.27M · min. income ≈ HK$22,026/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$71,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,529
−HK$623/mo
▼ 0.25% · 3.875%
HK$11,838
−HK$314/mo
Today · 4.125%
HK$12,152
baseline
▲ 0.50% · 4.625%
HK$12,792
+HK$640/mo
Deposit HK$2.27M · loan HK$2.27M · min. income ≈ HK$24,304/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$71,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,436
−HK$779/mo
▼ 0.25% · 3.875%
HK$12,822
−HK$393/mo
Today · 4.125%
HK$13,215
baseline
▲ 0.50% · 4.625%
HK$14,020
+HK$805/mo
Deposit HK$1.82M · loan HK$2.73M · min. income ≈ HK$26,430/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$71,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,835
−HK$747/mo
▼ 0.25% · 3.875%
HK$14,206
−HK$376/mo
Today · 4.125%
HK$14,582
baseline
▲ 0.50% · 4.625%
HK$15,351
+HK$769/mo
Deposit HK$1.82M · loan HK$2.73M · min. income ≈ HK$29,164/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$71,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,508
−HK$910/mo
▼ 0.25% · 3.875%
HK$14,960
−HK$458/mo
Today · 4.125%
HK$15,418
baseline
▲ 0.50% · 4.625%
HK$16,356
+HK$938/mo
Deposit HK$1.36M · loan HK$3.18M · min. income ≈ HK$30,836/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$71,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,140
−HK$872/mo
▼ 0.25% · 3.875%
HK$16,573
−HK$439/mo
Today · 4.125%
HK$17,012
baseline
▲ 0.50% · 4.625%
HK$17,909
+HK$897/mo
Deposit HK$1.36M · loan HK$3.18M · min. income ≈ HK$34,024/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$71,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,653
−HK$1,170/mo
▼ 0.25% · 3.875%
HK$19,234
−HK$589/mo
Today · 4.125%
HK$19,823
baseline
▲ 0.50% · 4.625%
HK$21,029
+HK$1,206/mo
Deposit HK$454K · loan HK$4.09M · min. income ≈ HK$39,646/mo (50% DSR)
Upfront cash ≈ HK$526K (deposit + AVD stamp duty HK$71,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,752
−HK$1,121/mo
▼ 0.25% · 3.875%
HK$21,308
−HK$565/mo
Today · 4.125%
HK$21,873
baseline
▲ 0.50% · 4.625%
HK$23,026
+HK$1,153/mo
Deposit HK$454K · loan HK$4.09M · min. income ≈ HK$43,746/mo (50% DSR)
Upfront cash ≈ HK$526K (deposit + AVD stamp duty HK$71,969 · 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).