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$10,330
−HK$648/mo
▼ 0.25% · 3.875%
HK$10,651
−HK$327/mo
Today · 4.125%
HK$10,978
baseline
▲ 0.50% · 4.625%
HK$11,646
+HK$668/mo
Deposit HK$2.27M · loan HK$2.27M · min. income ≈ HK$21,956/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$70,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,492
−HK$621/mo
▼ 0.25% · 3.875%
HK$11,800
−HK$313/mo
Today · 4.125%
HK$12,113
baseline
▲ 0.50% · 4.625%
HK$12,751
+HK$638/mo
Deposit HK$2.27M · loan HK$2.27M · min. income ≈ HK$24,226/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$70,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,396
−HK$777/mo
▼ 0.25% · 3.875%
HK$12,782
−HK$391/mo
Today · 4.125%
HK$13,173
baseline
▲ 0.50% · 4.625%
HK$13,975
+HK$802/mo
Deposit HK$1.81M · loan HK$2.72M · min. income ≈ HK$26,346/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$70,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,790
−HK$745/mo
▼ 0.25% · 3.875%
HK$14,160
−HK$375/mo
Today · 4.125%
HK$14,535
baseline
▲ 0.50% · 4.625%
HK$15,302
+HK$767/mo
Deposit HK$1.81M · loan HK$2.72M · min. income ≈ HK$29,070/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$70,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,462
−HK$907/mo
▼ 0.25% · 3.875%
HK$14,912
−HK$457/mo
Today · 4.125%
HK$15,369
baseline
▲ 0.50% · 4.625%
HK$16,304
+HK$935/mo
Deposit HK$1.36M · loan HK$3.17M · min. income ≈ HK$30,738/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$70,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,089
−HK$869/mo
▼ 0.25% · 3.875%
HK$16,520
−HK$438/mo
Today · 4.125%
HK$16,958
baseline
▲ 0.50% · 4.625%
HK$17,852
+HK$894/mo
Deposit HK$1.36M · loan HK$3.17M · min. income ≈ HK$33,916/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$70,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,594
−HK$1,166/mo
▼ 0.25% · 3.875%
HK$19,172
−HK$588/mo
Today · 4.125%
HK$19,760
baseline
▲ 0.50% · 4.625%
HK$20,962
+HK$1,202/mo
Deposit HK$453K · loan HK$4.08M · min. income ≈ HK$39,520/mo (50% DSR)
Upfront cash ≈ HK$524K (deposit + AVD stamp duty HK$70,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,686
−HK$1,117/mo
▼ 0.25% · 3.875%
HK$21,240
−HK$563/mo
Today · 4.125%
HK$21,803
baseline
▲ 0.50% · 4.625%
HK$22,952
+HK$1,149/mo
Deposit HK$453K · loan HK$4.08M · min. income ≈ HK$43,606/mo (50% DSR)
Upfront cash ≈ HK$524K (deposit + AVD stamp duty HK$70,519 · 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).