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$10,374
−HK$650/mo
▼ 0.25% · 3.875%
HK$10,697
−HK$327/mo
Today · 4.125%
HK$11,024
baseline
▲ 0.50% · 4.625%
HK$11,695
+HK$671/mo
Deposit HK$2.27M · loan HK$2.27M · min. income ≈ HK$22,048/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$72,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,541
−HK$623/mo
▼ 0.25% · 3.875%
HK$11,850
−HK$314/mo
Today · 4.125%
HK$12,164
baseline
▲ 0.50% · 4.625%
HK$12,806
+HK$642/mo
Deposit HK$2.27M · loan HK$2.27M · min. income ≈ HK$24,328/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$72,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,449
−HK$780/mo
▼ 0.25% · 3.875%
HK$12,836
−HK$393/mo
Today · 4.125%
HK$13,229
baseline
▲ 0.50% · 4.625%
HK$14,034
+HK$805/mo
Deposit HK$1.82M · loan HK$2.73M · min. income ≈ HK$26,458/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$72,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,849
−HK$748/mo
▼ 0.25% · 3.875%
HK$14,221
−HK$376/mo
Today · 4.125%
HK$14,597
baseline
▲ 0.50% · 4.625%
HK$15,367
+HK$770/mo
Deposit HK$1.82M · loan HK$2.73M · min. income ≈ HK$29,194/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$72,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,524
−HK$910/mo
▼ 0.25% · 3.875%
HK$14,975
−HK$459/mo
Today · 4.125%
HK$15,434
baseline
▲ 0.50% · 4.625%
HK$16,373
+HK$939/mo
Deposit HK$1.36M · loan HK$3.18M · min. income ≈ HK$30,868/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$72,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,157
−HK$873/mo
▼ 0.25% · 3.875%
HK$16,591
−HK$439/mo
Today · 4.125%
HK$17,030
baseline
▲ 0.50% · 4.625%
HK$17,928
+HK$898/mo
Deposit HK$1.36M · loan HK$3.18M · min. income ≈ HK$34,060/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$72,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,673
−HK$1,171/mo
▼ 0.25% · 3.875%
HK$19,254
−HK$590/mo
Today · 4.125%
HK$19,844
baseline
▲ 0.50% · 4.625%
HK$21,052
+HK$1,208/mo
Deposit HK$455K · loan HK$4.09M · min. income ≈ HK$39,688/mo (50% DSR)
Upfront cash ≈ HK$527K (deposit + AVD stamp duty HK$72,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,774
−HK$1,122/mo
▼ 0.25% · 3.875%
HK$21,331
−HK$565/mo
Today · 4.125%
HK$21,896
baseline
▲ 0.50% · 4.625%
HK$23,050
+HK$1,154/mo
Deposit HK$455K · loan HK$4.09M · min. income ≈ HK$43,792/mo (50% DSR)
Upfront cash ≈ HK$527K (deposit + AVD stamp duty HK$72,447 · 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).