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$647/mo
▼ 0.25% · 3.875%
HK$10,631
−HK$326/mo
Today · 4.125%
HK$10,957
baseline
▲ 0.50% · 4.625%
HK$11,624
+HK$667/mo
Deposit HK$2.26M · loan HK$2.26M · min. income ≈ HK$21,914/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$69,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,470
−HK$620/mo
▼ 0.25% · 3.875%
HK$11,778
−HK$312/mo
Today · 4.125%
HK$12,090
baseline
▲ 0.50% · 4.625%
HK$12,727
+HK$637/mo
Deposit HK$2.26M · loan HK$2.26M · min. income ≈ HK$24,180/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$69,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,373
−HK$775/mo
▼ 0.25% · 3.875%
HK$12,757
−HK$391/mo
Today · 4.125%
HK$13,148
baseline
▲ 0.50% · 4.625%
HK$13,948
+HK$800/mo
Deposit HK$1.81M · loan HK$2.71M · min. income ≈ HK$26,296/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$69,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,764
−HK$744/mo
▼ 0.25% · 3.875%
HK$14,133
−HK$375/mo
Today · 4.125%
HK$14,508
baseline
▲ 0.50% · 4.625%
HK$15,273
+HK$765/mo
Deposit HK$1.81M · loan HK$2.71M · min. income ≈ HK$29,016/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$69,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,435
−HK$905/mo
▼ 0.25% · 3.875%
HK$14,884
−HK$456/mo
Today · 4.125%
HK$15,340
baseline
▲ 0.50% · 4.625%
HK$16,273
+HK$933/mo
Deposit HK$1.36M · loan HK$3.17M · min. income ≈ HK$30,680/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$69,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,058
−HK$868/mo
▼ 0.25% · 3.875%
HK$16,489
−HK$437/mo
Today · 4.125%
HK$16,926
baseline
▲ 0.50% · 4.625%
HK$17,818
+HK$892/mo
Deposit HK$1.36M · loan HK$3.17M · min. income ≈ HK$33,852/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$69,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,559
−HK$1,164/mo
▼ 0.25% · 3.875%
HK$19,136
−HK$587/mo
Today · 4.125%
HK$19,723
baseline
▲ 0.50% · 4.625%
HK$20,923
+HK$1,200/mo
Deposit HK$452K · loan HK$4.07M · min. income ≈ HK$39,446/mo (50% DSR)
Upfront cash ≈ HK$522K (deposit + AVD stamp duty HK$69,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,647
−HK$1,115/mo
▼ 0.25% · 3.875%
HK$21,200
−HK$562/mo
Today · 4.125%
HK$21,762
baseline
▲ 0.50% · 4.625%
HK$22,909
+HK$1,147/mo
Deposit HK$452K · loan HK$4.07M · min. income ≈ HK$43,524/mo (50% DSR)
Upfront cash ≈ HK$522K (deposit + AVD stamp duty HK$69,663 · 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).