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$10,362
−HK$650/mo
▼ 0.25% · 3.875%
HK$10,685
−HK$327/mo
Today · 4.125%
HK$11,012
baseline
▲ 0.50% · 4.625%
HK$11,682
+HK$670/mo
Deposit HK$2.27M · loan HK$2.27M · min. income ≈ HK$22,024/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$71,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,528
−HK$623/mo
▼ 0.25% · 3.875%
HK$11,837
−HK$314/mo
Today · 4.125%
HK$12,151
baseline
▲ 0.50% · 4.625%
HK$12,791
+HK$640/mo
Deposit HK$2.27M · loan HK$2.27M · min. income ≈ HK$24,302/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$71,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,435
−HK$779/mo
▼ 0.25% · 3.875%
HK$12,822
−HK$392/mo
Today · 4.125%
HK$13,214
baseline
▲ 0.50% · 4.625%
HK$14,019
+HK$805/mo
Deposit HK$1.82M · loan HK$2.73M · min. income ≈ HK$26,428/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$71,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,833
−HK$748/mo
▼ 0.25% · 3.875%
HK$14,204
−HK$377/mo
Today · 4.125%
HK$14,581
baseline
▲ 0.50% · 4.625%
HK$15,349
+HK$768/mo
Deposit HK$1.82M · loan HK$2.73M · min. income ≈ HK$29,162/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$71,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,507
−HK$910/mo
▼ 0.25% · 3.875%
HK$14,958
−HK$459/mo
Today · 4.125%
HK$15,417
baseline
▲ 0.50% · 4.625%
HK$16,355
+HK$938/mo
Deposit HK$1.36M · loan HK$3.18M · min. income ≈ HK$30,834/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$71,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,139
−HK$872/mo
▼ 0.25% · 3.875%
HK$16,572
−HK$439/mo
Today · 4.125%
HK$17,011
baseline
▲ 0.50% · 4.625%
HK$17,908
+HK$897/mo
Deposit HK$1.36M · loan HK$3.18M · min. income ≈ HK$34,022/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$71,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,652
−HK$1,170/mo
▼ 0.25% · 3.875%
HK$19,232
−HK$590/mo
Today · 4.125%
HK$19,822
baseline
▲ 0.50% · 4.625%
HK$21,028
+HK$1,206/mo
Deposit HK$454K · loan HK$4.09M · min. income ≈ HK$39,644/mo (50% DSR)
Upfront cash ≈ HK$526K (deposit + AVD stamp duty HK$71,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,750
−HK$1,121/mo
▼ 0.25% · 3.875%
HK$21,307
−HK$564/mo
Today · 4.125%
HK$21,871
baseline
▲ 0.50% · 4.625%
HK$23,024
+HK$1,153/mo
Deposit HK$454K · loan HK$4.09M · min. income ≈ HK$43,742/mo (50% DSR)
Upfront cash ≈ HK$526K (deposit + AVD stamp duty HK$71,934 · 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).