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$10,410
−HK$653/mo
▼ 0.25% · 3.875%
HK$10,734
−HK$329/mo
Today · 4.125%
HK$11,063
baseline
▲ 0.50% · 4.625%
HK$11,736
+HK$673/mo
Deposit HK$2.28M · loan HK$2.28M · min. income ≈ HK$22,126/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$74,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,581
−HK$626/mo
▼ 0.25% · 3.875%
HK$11,892
−HK$315/mo
Today · 4.125%
HK$12,207
baseline
▲ 0.50% · 4.625%
HK$12,850
+HK$643/mo
Deposit HK$2.28M · loan HK$2.28M · min. income ≈ HK$24,414/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$74,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,492
−HK$784/mo
▼ 0.25% · 3.875%
HK$12,881
−HK$395/mo
Today · 4.125%
HK$13,276
baseline
▲ 0.50% · 4.625%
HK$14,083
+HK$807/mo
Deposit HK$1.83M · loan HK$2.74M · min. income ≈ HK$26,552/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$74,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,898
−HK$750/mo
▼ 0.25% · 3.875%
HK$14,270
−HK$378/mo
Today · 4.125%
HK$14,648
baseline
▲ 0.50% · 4.625%
HK$15,421
+HK$773/mo
Deposit HK$1.83M · loan HK$2.74M · min. income ≈ HK$29,296/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$74,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,574
−HK$914/mo
▼ 0.25% · 3.875%
HK$15,028
−HK$460/mo
Today · 4.125%
HK$15,488
baseline
▲ 0.50% · 4.625%
HK$16,431
+HK$943/mo
Deposit HK$1.37M · loan HK$3.20M · min. income ≈ HK$30,976/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$74,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,214
−HK$876/mo
▼ 0.25% · 3.875%
HK$16,649
−HK$441/mo
Today · 4.125%
HK$17,090
baseline
▲ 0.50% · 4.625%
HK$17,991
+HK$901/mo
Deposit HK$1.37M · loan HK$3.20M · min. income ≈ HK$34,180/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$74,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,738
−HK$1,176/mo
▼ 0.25% · 3.875%
HK$19,321
−HK$593/mo
Today · 4.125%
HK$19,914
baseline
▲ 0.50% · 4.625%
HK$21,125
+HK$1,211/mo
Deposit HK$457K · loan HK$4.11M · min. income ≈ HK$39,828/mo (50% DSR)
Upfront cash ≈ HK$531K (deposit + AVD stamp duty HK$74,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,846
−HK$1,127/mo
▼ 0.25% · 3.875%
HK$21,405
−HK$568/mo
Today · 4.125%
HK$21,973
baseline
▲ 0.50% · 4.625%
HK$23,131
+HK$1,158/mo
Deposit HK$457K · loan HK$4.11M · min. income ≈ HK$43,946/mo (50% DSR)
Upfront cash ≈ HK$531K (deposit + AVD stamp duty HK$74,039 · 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).