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$10,292
−HK$645/mo
▼ 0.25% · 3.875%
HK$10,612
−HK$325/mo
Today · 4.125%
HK$10,937
baseline
▲ 0.50% · 4.625%
HK$11,603
+HK$666/mo
Deposit HK$2.26M · loan HK$2.26M · min. income ≈ HK$21,874/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$68,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,450
−HK$618/mo
▼ 0.25% · 3.875%
HK$11,757
−HK$311/mo
Today · 4.125%
HK$12,068
baseline
▲ 0.50% · 4.625%
HK$12,704
+HK$636/mo
Deposit HK$2.26M · loan HK$2.26M · min. income ≈ HK$24,136/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$68,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,350
−HK$775/mo
▼ 0.25% · 3.875%
HK$12,735
−HK$390/mo
Today · 4.125%
HK$13,125
baseline
▲ 0.50% · 4.625%
HK$13,923
+HK$798/mo
Deposit HK$1.81M · loan HK$2.71M · min. income ≈ HK$26,250/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$68,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,740
−HK$742/mo
▼ 0.25% · 3.875%
HK$14,108
−HK$374/mo
Today · 4.125%
HK$14,482
baseline
▲ 0.50% · 4.625%
HK$15,245
+HK$763/mo
Deposit HK$1.81M · loan HK$2.71M · min. income ≈ HK$28,964/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$68,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,409
−HK$903/mo
▼ 0.25% · 3.875%
HK$14,857
−HK$455/mo
Today · 4.125%
HK$15,312
baseline
▲ 0.50% · 4.625%
HK$16,244
+HK$932/mo
Deposit HK$1.35M · loan HK$3.16M · min. income ≈ HK$30,624/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$68,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,030
−HK$866/mo
▼ 0.25% · 3.875%
HK$16,459
−HK$437/mo
Today · 4.125%
HK$16,896
baseline
▲ 0.50% · 4.625%
HK$17,786
+HK$890/mo
Deposit HK$1.35M · loan HK$3.16M · min. income ≈ HK$33,792/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$68,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,526
−HK$1,161/mo
▼ 0.25% · 3.875%
HK$19,102
−HK$585/mo
Today · 4.125%
HK$19,687
baseline
▲ 0.50% · 4.625%
HK$20,885
+HK$1,198/mo
Deposit HK$451K · loan HK$4.06M · min. income ≈ HK$39,374/mo (50% DSR)
Upfront cash ≈ HK$520K (deposit + AVD stamp duty HK$68,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,609
−HK$1,114/mo
▼ 0.25% · 3.875%
HK$21,162
−HK$561/mo
Today · 4.125%
HK$21,723
baseline
▲ 0.50% · 4.625%
HK$22,868
+HK$1,145/mo
Deposit HK$451K · loan HK$4.06M · min. income ≈ HK$43,446/mo (50% DSR)
Upfront cash ≈ HK$520K (deposit + AVD stamp duty HK$68,852 · 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).