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$10,344
−HK$649/mo
▼ 0.25% · 3.875%
HK$10,666
−HK$327/mo
Today · 4.125%
HK$10,993
baseline
▲ 0.50% · 4.625%
HK$11,662
+HK$669/mo
Deposit HK$2.27M · loan HK$2.27M · min. income ≈ HK$21,986/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$71,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,508
−HK$621/mo
▼ 0.25% · 3.875%
HK$11,816
−HK$313/mo
Today · 4.125%
HK$12,129
baseline
▲ 0.50% · 4.625%
HK$12,769
+HK$640/mo
Deposit HK$2.27M · loan HK$2.27M · min. income ≈ HK$24,258/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$71,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,413
−HK$778/mo
▼ 0.25% · 3.875%
HK$12,799
−HK$392/mo
Today · 4.125%
HK$13,191
baseline
▲ 0.50% · 4.625%
HK$13,994
+HK$803/mo
Deposit HK$1.81M · loan HK$2.72M · min. income ≈ HK$26,382/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$71,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,809
−HK$746/mo
▼ 0.25% · 3.875%
HK$14,180
−HK$375/mo
Today · 4.125%
HK$14,555
baseline
▲ 0.50% · 4.625%
HK$15,323
+HK$768/mo
Deposit HK$1.81M · loan HK$2.72M · min. income ≈ HK$29,110/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$71,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,482
−HK$908/mo
▼ 0.25% · 3.875%
HK$14,932
−HK$458/mo
Today · 4.125%
HK$15,390
baseline
▲ 0.50% · 4.625%
HK$16,326
+HK$936/mo
Deposit HK$1.36M · loan HK$3.18M · min. income ≈ HK$30,780/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$71,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,111
−HK$870/mo
▼ 0.25% · 3.875%
HK$16,543
−HK$438/mo
Today · 4.125%
HK$16,981
baseline
▲ 0.50% · 4.625%
HK$17,876
+HK$895/mo
Deposit HK$1.36M · loan HK$3.18M · min. income ≈ HK$33,962/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$71,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,619
−HK$1,168/mo
▼ 0.25% · 3.875%
HK$19,199
−HK$588/mo
Today · 4.125%
HK$19,787
baseline
▲ 0.50% · 4.625%
HK$20,991
+HK$1,204/mo
Deposit HK$454K · loan HK$4.08M · min. income ≈ HK$39,574/mo (50% DSR)
Upfront cash ≈ HK$525K (deposit + AVD stamp duty HK$71,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,714
−HK$1,119/mo
▼ 0.25% · 3.875%
HK$21,269
−HK$564/mo
Today · 4.125%
HK$21,833
baseline
▲ 0.50% · 4.625%
HK$22,984
+HK$1,151/mo
Deposit HK$454K · loan HK$4.08M · min. income ≈ HK$43,666/mo (50% DSR)
Upfront cash ≈ HK$525K (deposit + AVD stamp duty HK$71,137 · 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).