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$10,373
−HK$651/mo
▼ 0.25% · 3.875%
HK$10,696
−HK$328/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$72,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,540
−HK$624/mo
▼ 0.25% · 3.875%
HK$11,850
−HK$314/mo
Today · 4.125%
HK$12,164
baseline
▲ 0.50% · 4.625%
HK$12,805
+HK$641/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$72,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,448
−HK$781/mo
▼ 0.25% · 3.875%
HK$12,835
−HK$394/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$72,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,848
−HK$749/mo
▼ 0.25% · 3.875%
HK$14,220
−HK$377/mo
Today · 4.125%
HK$14,597
baseline
▲ 0.50% · 4.625%
HK$15,366
+HK$769/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$72,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,523
−HK$911/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$72,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,157
−HK$872/mo
▼ 0.25% · 3.875%
HK$16,590
−HK$439/mo
Today · 4.125%
HK$17,029
baseline
▲ 0.50% · 4.625%
HK$17,927
+HK$898/mo
Deposit HK$1.36M · loan HK$3.18M · min. income ≈ HK$34,058/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$72,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,672
−HK$1,171/mo
▼ 0.25% · 3.875%
HK$19,253
−HK$590/mo
Today · 4.125%
HK$19,843
baseline
▲ 0.50% · 4.625%
HK$21,051
+HK$1,208/mo
Deposit HK$455K · loan HK$4.09M · min. income ≈ HK$39,686/mo (50% DSR)
Upfront cash ≈ HK$527K (deposit + AVD stamp duty HK$72,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,773
−HK$1,122/mo
▼ 0.25% · 3.875%
HK$21,330
−HK$565/mo
Today · 4.125%
HK$21,895
baseline
▲ 0.50% · 4.625%
HK$23,049
+HK$1,154/mo
Deposit HK$455K · loan HK$4.09M · min. income ≈ HK$43,790/mo (50% DSR)
Upfront cash ≈ HK$527K (deposit + AVD stamp duty HK$72,425 · 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).