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$10,335
−HK$648/mo
▼ 0.25% · 3.875%
HK$10,657
−HK$326/mo
Today · 4.125%
HK$10,983
baseline
▲ 0.50% · 4.625%
HK$11,652
+HK$669/mo
Deposit HK$2.27M · loan HK$2.27M · min. income ≈ HK$21,966/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$70,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,498
−HK$621/mo
▼ 0.25% · 3.875%
HK$11,806
−HK$313/mo
Today · 4.125%
HK$12,119
baseline
▲ 0.50% · 4.625%
HK$12,758
+HK$639/mo
Deposit HK$2.27M · loan HK$2.27M · min. income ≈ HK$24,238/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$70,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,402
−HK$778/mo
▼ 0.25% · 3.875%
HK$12,788
−HK$392/mo
Today · 4.125%
HK$13,180
baseline
▲ 0.50% · 4.625%
HK$13,982
+HK$802/mo
Deposit HK$1.81M · loan HK$2.72M · min. income ≈ HK$26,360/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$70,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,797
−HK$746/mo
▼ 0.25% · 3.875%
HK$14,167
−HK$376/mo
Today · 4.125%
HK$14,543
baseline
▲ 0.50% · 4.625%
HK$15,309
+HK$766/mo
Deposit HK$1.81M · loan HK$2.72M · min. income ≈ HK$29,086/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$70,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,469
−HK$908/mo
▼ 0.25% · 3.875%
HK$14,919
−HK$458/mo
Today · 4.125%
HK$15,377
baseline
▲ 0.50% · 4.625%
HK$16,312
+HK$935/mo
Deposit HK$1.36M · loan HK$3.17M · min. income ≈ HK$30,754/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$70,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,097
−HK$870/mo
▼ 0.25% · 3.875%
HK$16,529
−HK$438/mo
Today · 4.125%
HK$16,967
baseline
▲ 0.50% · 4.625%
HK$17,861
+HK$894/mo
Deposit HK$1.36M · loan HK$3.17M · min. income ≈ HK$33,934/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$70,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,603
−HK$1,167/mo
▼ 0.25% · 3.875%
HK$19,182
−HK$588/mo
Today · 4.125%
HK$19,770
baseline
▲ 0.50% · 4.625%
HK$20,973
+HK$1,203/mo
Deposit HK$453K · loan HK$4.08M · min. income ≈ HK$39,540/mo (50% DSR)
Upfront cash ≈ HK$524K (deposit + AVD stamp duty HK$70,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,696
−HK$1,118/mo
▼ 0.25% · 3.875%
HK$21,251
−HK$563/mo
Today · 4.125%
HK$21,814
baseline
▲ 0.50% · 4.625%
HK$22,964
+HK$1,150/mo
Deposit HK$453K · loan HK$4.08M · min. income ≈ HK$43,628/mo (50% DSR)
Upfront cash ≈ HK$524K (deposit + AVD stamp duty HK$70,748 · 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).