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$10,213
−HK$641/mo
▼ 0.25% · 3.875%
HK$10,531
−HK$323/mo
Today · 4.125%
HK$10,854
baseline
▲ 0.50% · 4.625%
HK$11,514
+HK$660/mo
Deposit HK$2.24M · loan HK$2.24M · min. income ≈ HK$21,708/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$67,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,362
−HK$614/mo
▼ 0.25% · 3.875%
HK$11,667
−HK$309/mo
Today · 4.125%
HK$11,976
baseline
▲ 0.50% · 4.625%
HK$12,607
+HK$631/mo
Deposit HK$2.24M · loan HK$2.24M · min. income ≈ HK$23,952/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$67,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,256
−HK$769/mo
▼ 0.25% · 3.875%
HK$12,637
−HK$388/mo
Today · 4.125%
HK$13,025
baseline
▲ 0.50% · 4.625%
HK$13,817
+HK$792/mo
Deposit HK$1.79M · loan HK$2.69M · min. income ≈ HK$26,050/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$67,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,635
−HK$736/mo
▼ 0.25% · 3.875%
HK$14,000
−HK$371/mo
Today · 4.125%
HK$14,371
baseline
▲ 0.50% · 4.625%
HK$15,129
+HK$758/mo
Deposit HK$1.79M · loan HK$2.69M · min. income ≈ HK$28,742/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$67,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,299
−HK$896/mo
▼ 0.25% · 3.875%
HK$14,744
−HK$451/mo
Today · 4.125%
HK$15,195
baseline
▲ 0.50% · 4.625%
HK$16,120
+HK$925/mo
Deposit HK$1.34M · loan HK$3.14M · min. income ≈ HK$30,390/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$67,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,907
−HK$860/mo
▼ 0.25% · 3.875%
HK$16,334
−HK$433/mo
Today · 4.125%
HK$16,767
baseline
▲ 0.50% · 4.625%
HK$17,650
+HK$883/mo
Deposit HK$1.34M · loan HK$3.14M · min. income ≈ HK$33,534/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$67,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,384
−HK$1,153/mo
▼ 0.25% · 3.875%
HK$18,956
−HK$581/mo
Today · 4.125%
HK$19,537
baseline
▲ 0.50% · 4.625%
HK$20,726
+HK$1,189/mo
Deposit HK$448K · loan HK$4.03M · min. income ≈ HK$39,074/mo (50% DSR)
Upfront cash ≈ HK$515K (deposit + AVD stamp duty HK$67,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,452
−HK$1,105/mo
▼ 0.25% · 3.875%
HK$21,001
−HK$556/mo
Today · 4.125%
HK$21,557
baseline
▲ 0.50% · 4.625%
HK$22,693
+HK$1,136/mo
Deposit HK$448K · loan HK$4.03M · min. income ≈ HK$43,114/mo (50% DSR)
Upfront cash ≈ HK$515K (deposit + AVD stamp duty HK$67,186 · 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).