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$10,370
−HK$650/mo
▼ 0.25% · 3.875%
HK$10,692
−HK$328/mo
Today · 4.125%
HK$11,020
baseline
▲ 0.50% · 4.625%
HK$11,691
+HK$671/mo
Deposit HK$2.27M · loan HK$2.27M · min. income ≈ HK$22,040/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$72,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,536
−HK$624/mo
▼ 0.25% · 3.875%
HK$11,846
−HK$314/mo
Today · 4.125%
HK$12,160
baseline
▲ 0.50% · 4.625%
HK$12,800
+HK$640/mo
Deposit HK$2.27M · loan HK$2.27M · min. income ≈ HK$24,320/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$72,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,444
−HK$780/mo
▼ 0.25% · 3.875%
HK$12,831
−HK$393/mo
Today · 4.125%
HK$13,224
baseline
▲ 0.50% · 4.625%
HK$14,029
+HK$805/mo
Deposit HK$1.82M · loan HK$2.73M · min. income ≈ HK$26,448/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$72,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,843
−HK$748/mo
▼ 0.25% · 3.875%
HK$14,215
−HK$376/mo
Today · 4.125%
HK$14,591
baseline
▲ 0.50% · 4.625%
HK$15,361
+HK$770/mo
Deposit HK$1.82M · loan HK$2.73M · min. income ≈ HK$29,182/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$72,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,518
−HK$910/mo
▼ 0.25% · 3.875%
HK$14,969
−HK$459/mo
Today · 4.125%
HK$15,428
baseline
▲ 0.50% · 4.625%
HK$16,367
+HK$939/mo
Deposit HK$1.36M · loan HK$3.18M · min. income ≈ HK$30,856/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$72,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,151
−HK$872/mo
▼ 0.25% · 3.875%
HK$16,584
−HK$439/mo
Today · 4.125%
HK$17,023
baseline
▲ 0.50% · 4.625%
HK$17,921
+HK$898/mo
Deposit HK$1.36M · loan HK$3.18M · min. income ≈ HK$34,046/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$72,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,666
−HK$1,170/mo
▼ 0.25% · 3.875%
HK$19,246
−HK$590/mo
Today · 4.125%
HK$19,836
baseline
▲ 0.50% · 4.625%
HK$21,043
+HK$1,207/mo
Deposit HK$455K · loan HK$4.09M · min. income ≈ HK$39,672/mo (50% DSR)
Upfront cash ≈ HK$527K (deposit + AVD stamp duty HK$72,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,765
−HK$1,122/mo
▼ 0.25% · 3.875%
HK$21,322
−HK$565/mo
Today · 4.125%
HK$21,887
baseline
▲ 0.50% · 4.625%
HK$23,041
+HK$1,154/mo
Deposit HK$455K · loan HK$4.09M · min. income ≈ HK$43,774/mo (50% DSR)
Upfront cash ≈ HK$527K (deposit + AVD stamp duty HK$72,263 · 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).