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$10,306
−HK$646/mo
▼ 0.25% · 3.875%
HK$10,627
−HK$325/mo
Today · 4.125%
HK$10,952
baseline
▲ 0.50% · 4.625%
HK$11,619
+HK$667/mo
Deposit HK$2.26M · loan HK$2.26M · min. income ≈ HK$21,904/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$69,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,465
−HK$620/mo
▼ 0.25% · 3.875%
HK$11,773
−HK$312/mo
Today · 4.125%
HK$12,085
baseline
▲ 0.50% · 4.625%
HK$12,722
+HK$637/mo
Deposit HK$2.26M · loan HK$2.26M · min. income ≈ HK$24,170/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$69,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,367
−HK$776/mo
▼ 0.25% · 3.875%
HK$12,752
−HK$391/mo
Today · 4.125%
HK$13,143
baseline
▲ 0.50% · 4.625%
HK$13,943
+HK$800/mo
Deposit HK$1.81M · loan HK$2.71M · min. income ≈ HK$26,286/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$69,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,759
−HK$743/mo
▼ 0.25% · 3.875%
HK$14,128
−HK$374/mo
Today · 4.125%
HK$14,502
baseline
▲ 0.50% · 4.625%
HK$15,266
+HK$764/mo
Deposit HK$1.81M · loan HK$2.71M · min. income ≈ HK$29,004/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$69,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,429
−HK$904/mo
▼ 0.25% · 3.875%
HK$14,877
−HK$456/mo
Today · 4.125%
HK$15,333
baseline
▲ 0.50% · 4.625%
HK$16,266
+HK$933/mo
Deposit HK$1.36M · loan HK$3.16M · min. income ≈ HK$30,666/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$69,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,052
−HK$867/mo
▼ 0.25% · 3.875%
HK$16,482
−HK$437/mo
Today · 4.125%
HK$16,919
baseline
▲ 0.50% · 4.625%
HK$17,811
+HK$892/mo
Deposit HK$1.36M · loan HK$3.16M · min. income ≈ HK$33,838/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$69,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,551
−HK$1,163/mo
▼ 0.25% · 3.875%
HK$19,128
−HK$586/mo
Today · 4.125%
HK$19,714
baseline
▲ 0.50% · 4.625%
HK$20,914
+HK$1,200/mo
Deposit HK$452K · loan HK$4.07M · min. income ≈ HK$39,428/mo (50% DSR)
Upfront cash ≈ HK$521K (deposit + AVD stamp duty HK$69,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,638
−HK$1,115/mo
▼ 0.25% · 3.875%
HK$21,191
−HK$562/mo
Today · 4.125%
HK$21,753
baseline
▲ 0.50% · 4.625%
HK$22,899
+HK$1,146/mo
Deposit HK$452K · loan HK$4.07M · min. income ≈ HK$43,506/mo (50% DSR)
Upfront cash ≈ HK$521K (deposit + AVD stamp duty HK$69,472 · 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).