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$10,008
−HK$628/mo
▼ 0.25% · 3.875%
HK$10,320
−HK$316/mo
Today · 4.125%
HK$10,636
baseline
▲ 0.50% · 4.625%
HK$11,283
+HK$647/mo
Deposit HK$2.19M · loan HK$2.19M · min. income ≈ HK$21,272/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$65,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,134
−HK$602/mo
▼ 0.25% · 3.875%
HK$11,433
−HK$303/mo
Today · 4.125%
HK$11,736
baseline
▲ 0.50% · 4.625%
HK$12,354
+HK$618/mo
Deposit HK$2.19M · loan HK$2.19M · min. income ≈ HK$23,472/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$65,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,010
−HK$753/mo
▼ 0.25% · 3.875%
HK$12,383
−HK$380/mo
Today · 4.125%
HK$12,763
baseline
▲ 0.50% · 4.625%
HK$13,540
+HK$777/mo
Deposit HK$1.76M · loan HK$2.63M · min. income ≈ HK$25,526/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$65,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,361
−HK$722/mo
▼ 0.25% · 3.875%
HK$13,719
−HK$364/mo
Today · 4.125%
HK$14,083
baseline
▲ 0.50% · 4.625%
HK$14,825
+HK$742/mo
Deposit HK$1.76M · loan HK$2.63M · min. income ≈ HK$28,166/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$65,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,011
−HK$879/mo
▼ 0.25% · 3.875%
HK$14,447
−HK$443/mo
Today · 4.125%
HK$14,890
baseline
▲ 0.50% · 4.625%
HK$15,796
+HK$906/mo
Deposit HK$1.32M · loan HK$3.07M · min. income ≈ HK$29,780/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$65,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,588
−HK$842/mo
▼ 0.25% · 3.875%
HK$16,006
−HK$424/mo
Today · 4.125%
HK$16,430
baseline
▲ 0.50% · 4.625%
HK$17,296
+HK$866/mo
Deposit HK$1.32M · loan HK$3.07M · min. income ≈ HK$32,860/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$65,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,015
−HK$1,129/mo
▼ 0.25% · 3.875%
HK$18,575
−HK$569/mo
Today · 4.125%
HK$19,144
baseline
▲ 0.50% · 4.625%
HK$20,309
+HK$1,165/mo
Deposit HK$439K · loan HK$3.95M · min. income ≈ HK$38,288/mo (50% DSR)
Upfront cash ≈ HK$505K (deposit + AVD stamp duty HK$65,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,041
−HK$1,083/mo
▼ 0.25% · 3.875%
HK$20,579
−HK$545/mo
Today · 4.125%
HK$21,124
baseline
▲ 0.50% · 4.625%
HK$22,238
+HK$1,114/mo
Deposit HK$439K · loan HK$3.95M · min. income ≈ HK$42,248/mo (50% DSR)
Upfront cash ≈ HK$505K (deposit + AVD stamp duty HK$65,837 · 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).