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$10,380
−HK$651/mo
▼ 0.25% · 3.875%
HK$10,703
−HK$328/mo
Today · 4.125%
HK$11,031
baseline
▲ 0.50% · 4.625%
HK$11,702
+HK$671/mo
Deposit HK$2.28M · loan HK$2.28M · min. income ≈ HK$22,062/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$72,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,547
−HK$624/mo
▼ 0.25% · 3.875%
HK$11,857
−HK$314/mo
Today · 4.125%
HK$12,171
baseline
▲ 0.50% · 4.625%
HK$12,813
+HK$642/mo
Deposit HK$2.28M · loan HK$2.28M · min. income ≈ HK$24,342/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$72,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,456
−HK$781/mo
▼ 0.25% · 3.875%
HK$12,843
−HK$394/mo
Today · 4.125%
HK$13,237
baseline
▲ 0.50% · 4.625%
HK$14,042
+HK$805/mo
Deposit HK$1.82M · loan HK$2.73M · min. income ≈ HK$26,474/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$72,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,857
−HK$748/mo
▼ 0.25% · 3.875%
HK$14,228
−HK$377/mo
Today · 4.125%
HK$14,605
baseline
▲ 0.50% · 4.625%
HK$15,375
+HK$770/mo
Deposit HK$1.82M · loan HK$2.73M · min. income ≈ HK$29,210/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$72,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,532
−HK$911/mo
▼ 0.25% · 3.875%
HK$14,984
−HK$459/mo
Today · 4.125%
HK$15,443
baseline
▲ 0.50% · 4.625%
HK$16,383
+HK$940/mo
Deposit HK$1.37M · loan HK$3.19M · min. income ≈ HK$30,886/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$72,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,166
−HK$874/mo
▼ 0.25% · 3.875%
HK$16,600
−HK$440/mo
Today · 4.125%
HK$17,040
baseline
▲ 0.50% · 4.625%
HK$17,938
+HK$898/mo
Deposit HK$1.37M · loan HK$3.19M · min. income ≈ HK$34,080/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$72,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,684
−HK$1,171/mo
▼ 0.25% · 3.875%
HK$19,265
−HK$590/mo
Today · 4.125%
HK$19,855
baseline
▲ 0.50% · 4.625%
HK$21,063
+HK$1,208/mo
Deposit HK$455K · loan HK$4.10M · min. income ≈ HK$39,710/mo (50% DSR)
Upfront cash ≈ HK$528K (deposit + AVD stamp duty HK$72,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,785
−HK$1,123/mo
▼ 0.25% · 3.875%
HK$21,343
−HK$565/mo
Today · 4.125%
HK$21,908
baseline
▲ 0.50% · 4.625%
HK$23,063
+HK$1,155/mo
Deposit HK$455K · loan HK$4.10M · min. income ≈ HK$43,816/mo (50% DSR)
Upfront cash ≈ HK$528K (deposit + AVD stamp duty HK$72,701 · 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).