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$10,338
−HK$649/mo
▼ 0.25% · 3.875%
HK$10,660
−HK$327/mo
Today · 4.125%
HK$10,987
baseline
▲ 0.50% · 4.625%
HK$11,655
+HK$668/mo
Deposit HK$2.27M · loan HK$2.27M · min. income ≈ HK$21,974/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$70,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,501
−HK$622/mo
▼ 0.25% · 3.875%
HK$11,810
−HK$313/mo
Today · 4.125%
HK$12,123
baseline
▲ 0.50% · 4.625%
HK$12,762
+HK$639/mo
Deposit HK$2.27M · loan HK$2.27M · min. income ≈ HK$24,246/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$70,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,406
−HK$778/mo
▼ 0.25% · 3.875%
HK$12,792
−HK$392/mo
Today · 4.125%
HK$13,184
baseline
▲ 0.50% · 4.625%
HK$13,986
+HK$802/mo
Deposit HK$1.81M · loan HK$2.72M · min. income ≈ HK$26,368/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$70,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,802
−HK$745/mo
▼ 0.25% · 3.875%
HK$14,172
−HK$375/mo
Today · 4.125%
HK$14,547
baseline
▲ 0.50% · 4.625%
HK$15,314
+HK$767/mo
Deposit HK$1.81M · loan HK$2.72M · min. income ≈ HK$29,094/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$70,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,474
−HK$907/mo
▼ 0.25% · 3.875%
HK$14,924
−HK$457/mo
Today · 4.125%
HK$15,381
baseline
▲ 0.50% · 4.625%
HK$16,317
+HK$936/mo
Deposit HK$1.36M · loan HK$3.17M · min. income ≈ HK$30,762/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$70,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,102
−HK$870/mo
▼ 0.25% · 3.875%
HK$16,534
−HK$438/mo
Today · 4.125%
HK$16,972
baseline
▲ 0.50% · 4.625%
HK$17,866
+HK$894/mo
Deposit HK$1.36M · loan HK$3.17M · min. income ≈ HK$33,944/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$70,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,609
−HK$1,167/mo
▼ 0.25% · 3.875%
HK$19,188
−HK$588/mo
Today · 4.125%
HK$19,776
baseline
▲ 0.50% · 4.625%
HK$20,979
+HK$1,203/mo
Deposit HK$453K · loan HK$4.08M · min. income ≈ HK$39,552/mo (50% DSR)
Upfront cash ≈ HK$524K (deposit + AVD stamp duty HK$70,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,702
−HK$1,119/mo
▼ 0.25% · 3.875%
HK$21,257
−HK$564/mo
Today · 4.125%
HK$21,821
baseline
▲ 0.50% · 4.625%
HK$22,971
+HK$1,150/mo
Deposit HK$453K · loan HK$4.08M · min. income ≈ HK$43,642/mo (50% DSR)
Upfront cash ≈ HK$524K (deposit + AVD stamp duty HK$70,884 · 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).