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$10,300
−HK$646/mo
▼ 0.25% · 3.875%
HK$10,620
−HK$326/mo
Today · 4.125%
HK$10,946
baseline
▲ 0.50% · 4.625%
HK$11,612
+HK$666/mo
Deposit HK$2.26M · loan HK$2.26M · min. income ≈ HK$21,892/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$69,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,458
−HK$619/mo
▼ 0.25% · 3.875%
HK$11,766
−HK$311/mo
Today · 4.125%
HK$12,077
baseline
▲ 0.50% · 4.625%
HK$12,714
+HK$637/mo
Deposit HK$2.26M · loan HK$2.26M · min. income ≈ HK$24,154/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$69,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,360
−HK$775/mo
▼ 0.25% · 3.875%
HK$12,744
−HK$391/mo
Today · 4.125%
HK$13,135
baseline
▲ 0.50% · 4.625%
HK$13,934
+HK$799/mo
Deposit HK$1.81M · loan HK$2.71M · min. income ≈ HK$26,270/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$69,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,750
−HK$743/mo
▼ 0.25% · 3.875%
HK$14,119
−HK$374/mo
Today · 4.125%
HK$14,493
baseline
▲ 0.50% · 4.625%
HK$15,257
+HK$764/mo
Deposit HK$1.81M · loan HK$2.71M · min. income ≈ HK$28,986/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$69,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,420
−HK$904/mo
▼ 0.25% · 3.875%
HK$14,868
−HK$456/mo
Today · 4.125%
HK$15,324
baseline
▲ 0.50% · 4.625%
HK$16,256
+HK$932/mo
Deposit HK$1.36M · loan HK$3.16M · min. income ≈ HK$30,648/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$69,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,042
−HK$866/mo
▼ 0.25% · 3.875%
HK$16,472
−HK$436/mo
Today · 4.125%
HK$16,908
baseline
▲ 0.50% · 4.625%
HK$17,800
+HK$892/mo
Deposit HK$1.36M · loan HK$3.16M · min. income ≈ HK$33,816/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$69,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,540
−HK$1,162/mo
▼ 0.25% · 3.875%
HK$19,116
−HK$586/mo
Today · 4.125%
HK$19,702
baseline
▲ 0.50% · 4.625%
HK$20,901
+HK$1,199/mo
Deposit HK$452K · loan HK$4.07M · min. income ≈ HK$39,404/mo (50% DSR)
Upfront cash ≈ HK$521K (deposit + AVD stamp duty HK$69,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,625
−HK$1,114/mo
▼ 0.25% · 3.875%
HK$21,178
−HK$561/mo
Today · 4.125%
HK$21,739
baseline
▲ 0.50% · 4.625%
HK$22,885
+HK$1,146/mo
Deposit HK$452K · loan HK$4.07M · min. income ≈ HK$43,478/mo (50% DSR)
Upfront cash ≈ HK$521K (deposit + AVD stamp duty HK$69,194 · 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).