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$10,441
−HK$654/mo
▼ 0.25% · 3.875%
HK$10,765
−HK$330/mo
Today · 4.125%
HK$11,095
baseline
▲ 0.50% · 4.625%
HK$11,770
+HK$675/mo
Deposit HK$2.29M · loan HK$2.29M · min. income ≈ HK$22,190/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$75,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,615
−HK$628/mo
▼ 0.25% · 3.875%
HK$11,927
−HK$316/mo
Today · 4.125%
HK$12,243
baseline
▲ 0.50% · 4.625%
HK$12,888
+HK$645/mo
Deposit HK$2.29M · loan HK$2.29M · min. income ≈ HK$24,486/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$75,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,529
−HK$785/mo
▼ 0.25% · 3.875%
HK$12,918
−HK$396/mo
Today · 4.125%
HK$13,314
baseline
▲ 0.50% · 4.625%
HK$14,124
+HK$810/mo
Deposit HK$1.83M · loan HK$2.75M · min. income ≈ HK$26,628/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$75,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,938
−HK$753/mo
▼ 0.25% · 3.875%
HK$14,312
−HK$379/mo
Today · 4.125%
HK$14,691
baseline
▲ 0.50% · 4.625%
HK$15,465
+HK$774/mo
Deposit HK$1.83M · loan HK$2.75M · min. income ≈ HK$29,382/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$75,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,617
−HK$916/mo
▼ 0.25% · 3.875%
HK$15,071
−HK$462/mo
Today · 4.125%
HK$15,533
baseline
▲ 0.50% · 4.625%
HK$16,479
+HK$946/mo
Deposit HK$1.37M · loan HK$3.21M · min. income ≈ HK$31,066/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$75,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,261
−HK$879/mo
▼ 0.25% · 3.875%
HK$16,697
−HK$443/mo
Today · 4.125%
HK$17,140
baseline
▲ 0.50% · 4.625%
HK$18,043
+HK$903/mo
Deposit HK$1.37M · loan HK$3.21M · min. income ≈ HK$34,280/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$75,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,793
−HK$1,178/mo
▼ 0.25% · 3.875%
HK$19,378
−HK$593/mo
Today · 4.125%
HK$19,971
baseline
▲ 0.50% · 4.625%
HK$21,187
+HK$1,216/mo
Deposit HK$458K · loan HK$4.12M · min. income ≈ HK$39,942/mo (50% DSR)
Upfront cash ≈ HK$533K (deposit + AVD stamp duty HK$75,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,907
−HK$1,130/mo
▼ 0.25% · 3.875%
HK$21,468
−HK$569/mo
Today · 4.125%
HK$22,037
baseline
▲ 0.50% · 4.625%
HK$23,198
+HK$1,161/mo
Deposit HK$458K · loan HK$4.12M · min. income ≈ HK$44,074/mo (50% DSR)
Upfront cash ≈ HK$533K (deposit + AVD stamp duty HK$75,368 · 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).