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$10,194
−HK$639/mo
▼ 0.25% · 3.875%
HK$10,511
−HK$322/mo
Today · 4.125%
HK$10,833
baseline
▲ 0.50% · 4.625%
HK$11,492
+HK$659/mo
Deposit HK$2.24M · loan HK$2.24M · min. income ≈ HK$21,666/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$67,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,341
−HK$612/mo
▼ 0.25% · 3.875%
HK$11,645
−HK$308/mo
Today · 4.125%
HK$11,953
baseline
▲ 0.50% · 4.625%
HK$12,583
+HK$630/mo
Deposit HK$2.24M · loan HK$2.24M · min. income ≈ HK$23,906/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$67,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,233
−HK$767/mo
▼ 0.25% · 3.875%
HK$12,613
−HK$387/mo
Today · 4.125%
HK$13,000
baseline
▲ 0.50% · 4.625%
HK$13,791
+HK$791/mo
Deposit HK$1.79M · loan HK$2.68M · min. income ≈ HK$26,000/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$67,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,609
−HK$735/mo
▼ 0.25% · 3.875%
HK$13,974
−HK$370/mo
Today · 4.125%
HK$14,344
baseline
▲ 0.50% · 4.625%
HK$15,100
+HK$756/mo
Deposit HK$1.79M · loan HK$2.68M · min. income ≈ HK$28,688/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$67,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,272
−HK$894/mo
▼ 0.25% · 3.875%
HK$14,715
−HK$451/mo
Today · 4.125%
HK$15,166
baseline
▲ 0.50% · 4.625%
HK$16,089
+HK$923/mo
Deposit HK$1.34M · loan HK$3.13M · min. income ≈ HK$30,332/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$67,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,877
−HK$858/mo
▼ 0.25% · 3.875%
HK$16,303
−HK$432/mo
Today · 4.125%
HK$16,735
baseline
▲ 0.50% · 4.625%
HK$17,617
+HK$882/mo
Deposit HK$1.34M · loan HK$3.13M · min. income ≈ HK$33,470/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$67,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,349
−HK$1,151/mo
▼ 0.25% · 3.875%
HK$18,920
−HK$580/mo
Today · 4.125%
HK$19,500
baseline
▲ 0.50% · 4.625%
HK$20,686
+HK$1,186/mo
Deposit HK$447K · loan HK$4.02M · min. income ≈ HK$39,000/mo (50% DSR)
Upfront cash ≈ HK$514K (deposit + AVD stamp duty HK$67,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,413
−HK$1,103/mo
▼ 0.25% · 3.875%
HK$20,961
−HK$555/mo
Today · 4.125%
HK$21,516
baseline
▲ 0.50% · 4.625%
HK$22,650
+HK$1,134/mo
Deposit HK$447K · loan HK$4.02M · min. income ≈ HK$43,032/mo (50% DSR)
Upfront cash ≈ HK$514K (deposit + AVD stamp duty HK$67,058 · 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).