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$10,222
−HK$641/mo
▼ 0.25% · 3.875%
HK$10,540
−HK$323/mo
Today · 4.125%
HK$10,863
baseline
▲ 0.50% · 4.625%
HK$11,524
+HK$661/mo
Deposit HK$2.24M · loan HK$2.24M · min. income ≈ HK$21,726/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$67,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,372
−HK$614/mo
▼ 0.25% · 3.875%
HK$11,677
−HK$309/mo
Today · 4.125%
HK$11,986
baseline
▲ 0.50% · 4.625%
HK$12,618
+HK$632/mo
Deposit HK$2.24M · loan HK$2.24M · min. income ≈ HK$23,972/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$67,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,266
−HK$769/mo
▼ 0.25% · 3.875%
HK$12,648
−HK$387/mo
Today · 4.125%
HK$13,035
baseline
▲ 0.50% · 4.625%
HK$13,828
+HK$793/mo
Deposit HK$1.79M · loan HK$2.69M · min. income ≈ HK$26,070/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$67,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,646
−HK$737/mo
▼ 0.25% · 3.875%
HK$14,012
−HK$371/mo
Today · 4.125%
HK$14,383
baseline
▲ 0.50% · 4.625%
HK$15,141
+HK$758/mo
Deposit HK$1.79M · loan HK$2.69M · min. income ≈ HK$28,766/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$67,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,310
−HK$898/mo
▼ 0.25% · 3.875%
HK$14,756
−HK$452/mo
Today · 4.125%
HK$15,208
baseline
▲ 0.50% · 4.625%
HK$16,133
+HK$925/mo
Deposit HK$1.34M · loan HK$3.14M · min. income ≈ HK$30,416/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$67,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,920
−HK$860/mo
▼ 0.25% · 3.875%
HK$16,347
−HK$433/mo
Today · 4.125%
HK$16,780
baseline
▲ 0.50% · 4.625%
HK$17,665
+HK$885/mo
Deposit HK$1.34M · loan HK$3.14M · min. income ≈ HK$33,560/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$67,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,399
−HK$1,154/mo
▼ 0.25% · 3.875%
HK$18,971
−HK$582/mo
Today · 4.125%
HK$19,553
baseline
▲ 0.50% · 4.625%
HK$20,743
+HK$1,190/mo
Deposit HK$448K · loan HK$4.03M · min. income ≈ HK$39,106/mo (50% DSR)
Upfront cash ≈ HK$516K (deposit + AVD stamp duty HK$67,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,469
−HK$1,106/mo
▼ 0.25% · 3.875%
HK$21,018
−HK$557/mo
Today · 4.125%
HK$21,575
baseline
▲ 0.50% · 4.625%
HK$22,712
+HK$1,137/mo
Deposit HK$448K · loan HK$4.03M · min. income ≈ HK$43,150/mo (50% DSR)
Upfront cash ≈ HK$516K (deposit + AVD stamp duty HK$67,241 · 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).