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$10,231
−HK$641/mo
▼ 0.25% · 3.875%
HK$10,549
−HK$323/mo
Today · 4.125%
HK$10,872
baseline
▲ 0.50% · 4.625%
HK$11,534
+HK$662/mo
Deposit HK$2.24M · loan HK$2.24M · min. income ≈ HK$21,744/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$67,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,382
−HK$614/mo
▼ 0.25% · 3.875%
HK$11,687
−HK$309/mo
Today · 4.125%
HK$11,996
baseline
▲ 0.50% · 4.625%
HK$12,629
+HK$633/mo
Deposit HK$2.24M · loan HK$2.24M · min. income ≈ HK$23,992/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$67,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,277
−HK$770/mo
▼ 0.25% · 3.875%
HK$12,659
−HK$388/mo
Today · 4.125%
HK$13,047
baseline
▲ 0.50% · 4.625%
HK$13,841
+HK$794/mo
Deposit HK$1.79M · loan HK$2.69M · min. income ≈ HK$26,094/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$67,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,658
−HK$738/mo
▼ 0.25% · 3.875%
HK$14,024
−HK$372/mo
Today · 4.125%
HK$14,396
baseline
▲ 0.50% · 4.625%
HK$15,155
+HK$759/mo
Deposit HK$1.79M · loan HK$2.69M · min. income ≈ HK$28,792/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$67,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,323
−HK$898/mo
▼ 0.25% · 3.875%
HK$14,768
−HK$453/mo
Today · 4.125%
HK$15,221
baseline
▲ 0.50% · 4.625%
HK$16,147
+HK$926/mo
Deposit HK$1.35M · loan HK$3.14M · min. income ≈ HK$30,442/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$67,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,934
−HK$861/mo
▼ 0.25% · 3.875%
HK$16,361
−HK$434/mo
Today · 4.125%
HK$16,795
baseline
▲ 0.50% · 4.625%
HK$17,680
+HK$885/mo
Deposit HK$1.35M · loan HK$3.14M · min. income ≈ HK$33,590/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$67,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,415
−HK$1,155/mo
▼ 0.25% · 3.875%
HK$18,988
−HK$582/mo
Today · 4.125%
HK$19,570
baseline
▲ 0.50% · 4.625%
HK$20,761
+HK$1,191/mo
Deposit HK$449K · loan HK$4.04M · min. income ≈ HK$39,140/mo (50% DSR)
Upfront cash ≈ HK$516K (deposit + AVD stamp duty HK$67,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,487
−HK$1,107/mo
▼ 0.25% · 3.875%
HK$21,036
−HK$558/mo
Today · 4.125%
HK$21,594
baseline
▲ 0.50% · 4.625%
HK$22,732
+HK$1,138/mo
Deposit HK$449K · loan HK$4.04M · min. income ≈ HK$43,188/mo (50% DSR)
Upfront cash ≈ HK$516K (deposit + AVD stamp duty HK$67,300 · 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).