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$10,310
−HK$646/mo
▼ 0.25% · 3.875%
HK$10,630
−HK$326/mo
Today · 4.125%
HK$10,956
baseline
▲ 0.50% · 4.625%
HK$11,623
+HK$667/mo
Deposit HK$2.26M · loan HK$2.26M · min. income ≈ HK$21,912/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$69,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,469
−HK$620/mo
▼ 0.25% · 3.875%
HK$11,777
−HK$312/mo
Today · 4.125%
HK$12,089
baseline
▲ 0.50% · 4.625%
HK$12,726
+HK$637/mo
Deposit HK$2.26M · loan HK$2.26M · min. income ≈ HK$24,178/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$69,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,372
−HK$775/mo
▼ 0.25% · 3.875%
HK$12,757
−HK$390/mo
Today · 4.125%
HK$13,147
baseline
▲ 0.50% · 4.625%
HK$13,947
+HK$800/mo
Deposit HK$1.81M · loan HK$2.71M · min. income ≈ HK$26,294/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$69,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,763
−HK$744/mo
▼ 0.25% · 3.875%
HK$14,132
−HK$375/mo
Today · 4.125%
HK$14,507
baseline
▲ 0.50% · 4.625%
HK$15,272
+HK$765/mo
Deposit HK$1.81M · loan HK$2.71M · min. income ≈ HK$29,014/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$69,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,434
−HK$905/mo
▼ 0.25% · 3.875%
HK$14,883
−HK$456/mo
Today · 4.125%
HK$15,339
baseline
▲ 0.50% · 4.625%
HK$16,272
+HK$933/mo
Deposit HK$1.36M · loan HK$3.16M · min. income ≈ HK$30,678/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$69,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,057
−HK$868/mo
▼ 0.25% · 3.875%
HK$16,488
−HK$437/mo
Today · 4.125%
HK$16,925
baseline
▲ 0.50% · 4.625%
HK$17,817
+HK$892/mo
Deposit HK$1.36M · loan HK$3.16M · min. income ≈ HK$33,850/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$69,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,558
−HK$1,163/mo
▼ 0.25% · 3.875%
HK$19,135
−HK$586/mo
Today · 4.125%
HK$19,721
baseline
▲ 0.50% · 4.625%
HK$20,921
+HK$1,200/mo
Deposit HK$452K · loan HK$4.07M · min. income ≈ HK$39,442/mo (50% DSR)
Upfront cash ≈ HK$522K (deposit + AVD stamp duty HK$69,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,645
−HK$1,115/mo
▼ 0.25% · 3.875%
HK$21,199
−HK$561/mo
Today · 4.125%
HK$21,760
baseline
▲ 0.50% · 4.625%
HK$22,907
+HK$1,147/mo
Deposit HK$452K · loan HK$4.07M · min. income ≈ HK$43,520/mo (50% DSR)
Upfront cash ≈ HK$522K (deposit + AVD stamp duty HK$69,631 · 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).