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$10,369
−HK$650/mo
▼ 0.25% · 3.875%
HK$10,691
−HK$328/mo
Today · 4.125%
HK$11,019
baseline
▲ 0.50% · 4.625%
HK$11,689
+HK$670/mo
Deposit HK$2.27M · loan HK$2.27M · min. income ≈ HK$22,038/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$72,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,535
−HK$623/mo
▼ 0.25% · 3.875%
HK$11,844
−HK$314/mo
Today · 4.125%
HK$12,158
baseline
▲ 0.50% · 4.625%
HK$12,799
+HK$641/mo
Deposit HK$2.27M · loan HK$2.27M · min. income ≈ HK$24,316/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$72,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,442
−HK$781/mo
▼ 0.25% · 3.875%
HK$12,829
−HK$394/mo
Today · 4.125%
HK$13,223
baseline
▲ 0.50% · 4.625%
HK$14,027
+HK$804/mo
Deposit HK$1.82M · loan HK$2.73M · min. income ≈ HK$26,446/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$72,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,842
−HK$748/mo
▼ 0.25% · 3.875%
HK$14,213
−HK$377/mo
Today · 4.125%
HK$14,590
baseline
▲ 0.50% · 4.625%
HK$15,359
+HK$769/mo
Deposit HK$1.82M · loan HK$2.73M · min. income ≈ HK$29,180/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$72,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,516
−HK$910/mo
▼ 0.25% · 3.875%
HK$14,968
−HK$458/mo
Today · 4.125%
HK$15,426
baseline
▲ 0.50% · 4.625%
HK$16,365
+HK$939/mo
Deposit HK$1.36M · loan HK$3.18M · min. income ≈ HK$30,852/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$72,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,149
−HK$872/mo
▼ 0.25% · 3.875%
HK$16,582
−HK$439/mo
Today · 4.125%
HK$17,021
baseline
▲ 0.50% · 4.625%
HK$17,919
+HK$898/mo
Deposit HK$1.36M · loan HK$3.18M · min. income ≈ HK$34,042/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$72,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,663
−HK$1,171/mo
▼ 0.25% · 3.875%
HK$19,244
−HK$590/mo
Today · 4.125%
HK$19,834
baseline
▲ 0.50% · 4.625%
HK$21,041
+HK$1,207/mo
Deposit HK$455K · loan HK$4.09M · min. income ≈ HK$39,668/mo (50% DSR)
Upfront cash ≈ HK$527K (deposit + AVD stamp duty HK$72,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,763
−HK$1,122/mo
▼ 0.25% · 3.875%
HK$21,320
−HK$565/mo
Today · 4.125%
HK$21,885
baseline
▲ 0.50% · 4.625%
HK$23,038
+HK$1,153/mo
Deposit HK$455K · loan HK$4.09M · min. income ≈ HK$43,770/mo (50% DSR)
Upfront cash ≈ HK$527K (deposit + AVD stamp duty HK$72,212 · 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).