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$10,187
−HK$639/mo
▼ 0.25% · 3.875%
HK$10,504
−HK$322/mo
Today · 4.125%
HK$10,826
baseline
▲ 0.50% · 4.625%
HK$11,485
+HK$659/mo
Deposit HK$2.23M · loan HK$2.23M · min. income ≈ HK$21,652/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$67,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,333
−HK$613/mo
▼ 0.25% · 3.875%
HK$11,637
−HK$309/mo
Today · 4.125%
HK$11,946
baseline
▲ 0.50% · 4.625%
HK$12,575
+HK$629/mo
Deposit HK$2.23M · loan HK$2.23M · min. income ≈ HK$23,892/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$67,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,225
−HK$766/mo
▼ 0.25% · 3.875%
HK$12,605
−HK$386/mo
Today · 4.125%
HK$12,991
baseline
▲ 0.50% · 4.625%
HK$13,782
+HK$791/mo
Deposit HK$1.79M · loan HK$2.68M · min. income ≈ HK$25,982/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$67,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,600
−HK$735/mo
▼ 0.25% · 3.875%
HK$13,965
−HK$370/mo
Today · 4.125%
HK$14,335
baseline
▲ 0.50% · 4.625%
HK$15,090
+HK$755/mo
Deposit HK$1.79M · loan HK$2.68M · min. income ≈ HK$28,670/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$67,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,262
−HK$895/mo
▼ 0.25% · 3.875%
HK$14,706
−HK$451/mo
Today · 4.125%
HK$15,157
baseline
▲ 0.50% · 4.625%
HK$16,079
+HK$922/mo
Deposit HK$1.34M · loan HK$3.13M · min. income ≈ HK$30,314/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$67,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,867
−HK$857/mo
▼ 0.25% · 3.875%
HK$16,292
−HK$432/mo
Today · 4.125%
HK$16,724
baseline
▲ 0.50% · 4.625%
HK$17,605
+HK$881/mo
Deposit HK$1.34M · loan HK$3.13M · min. income ≈ HK$33,448/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$67,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,337
−HK$1,150/mo
▼ 0.25% · 3.875%
HK$18,908
−HK$579/mo
Today · 4.125%
HK$19,487
baseline
▲ 0.50% · 4.625%
HK$20,673
+HK$1,186/mo
Deposit HK$447K · loan HK$4.02M · min. income ≈ HK$38,974/mo (50% DSR)
Upfront cash ≈ HK$514K (deposit + AVD stamp duty HK$67,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,400
−HK$1,102/mo
▼ 0.25% · 3.875%
HK$20,947
−HK$555/mo
Today · 4.125%
HK$21,502
baseline
▲ 0.50% · 4.625%
HK$22,636
+HK$1,134/mo
Deposit HK$447K · loan HK$4.02M · min. income ≈ HK$43,004/mo (50% DSR)
Upfront cash ≈ HK$514K (deposit + AVD stamp duty HK$67,015 · 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).