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$10,357
−HK$649/mo
▼ 0.25% · 3.875%
HK$10,679
−HK$327/mo
Today · 4.125%
HK$11,006
baseline
▲ 0.50% · 4.625%
HK$11,676
+HK$670/mo
Deposit HK$2.27M · loan HK$2.27M · min. income ≈ HK$22,012/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$71,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,522
−HK$622/mo
▼ 0.25% · 3.875%
HK$11,831
−HK$313/mo
Today · 4.125%
HK$12,144
baseline
▲ 0.50% · 4.625%
HK$12,784
+HK$640/mo
Deposit HK$2.27M · loan HK$2.27M · min. income ≈ HK$24,288/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$71,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,428
−HK$779/mo
▼ 0.25% · 3.875%
HK$12,815
−HK$392/mo
Today · 4.125%
HK$13,207
baseline
▲ 0.50% · 4.625%
HK$14,011
+HK$804/mo
Deposit HK$1.82M · loan HK$2.73M · min. income ≈ HK$26,414/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$71,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,826
−HK$747/mo
▼ 0.25% · 3.875%
HK$14,197
−HK$376/mo
Today · 4.125%
HK$14,573
baseline
▲ 0.50% · 4.625%
HK$15,341
+HK$768/mo
Deposit HK$1.82M · loan HK$2.73M · min. income ≈ HK$29,146/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$71,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,499
−HK$910/mo
▼ 0.25% · 3.875%
HK$14,950
−HK$459/mo
Today · 4.125%
HK$15,409
baseline
▲ 0.50% · 4.625%
HK$16,346
+HK$937/mo
Deposit HK$1.36M · loan HK$3.18M · min. income ≈ HK$30,818/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$71,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,130
−HK$872/mo
▼ 0.25% · 3.875%
HK$16,563
−HK$439/mo
Today · 4.125%
HK$17,002
baseline
▲ 0.50% · 4.625%
HK$17,898
+HK$896/mo
Deposit HK$1.36M · loan HK$3.18M · min. income ≈ HK$34,004/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$71,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,642
−HK$1,169/mo
▼ 0.25% · 3.875%
HK$19,222
−HK$589/mo
Today · 4.125%
HK$19,811
baseline
▲ 0.50% · 4.625%
HK$21,016
+HK$1,205/mo
Deposit HK$454K · loan HK$4.09M · min. income ≈ HK$39,622/mo (50% DSR)
Upfront cash ≈ HK$526K (deposit + AVD stamp duty HK$71,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,739
−HK$1,121/mo
▼ 0.25% · 3.875%
HK$21,295
−HK$565/mo
Today · 4.125%
HK$21,860
baseline
▲ 0.50% · 4.625%
HK$23,012
+HK$1,152/mo
Deposit HK$454K · loan HK$4.09M · min. income ≈ HK$43,720/mo (50% DSR)
Upfront cash ≈ HK$526K (deposit + AVD stamp duty HK$71,690 · 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).