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$10,005
−HK$628/mo
▼ 0.25% · 3.875%
HK$10,316
−HK$317/mo
Today · 4.125%
HK$10,633
baseline
▲ 0.50% · 4.625%
HK$11,280
+HK$647/mo
Deposit HK$2.19M · loan HK$2.19M · min. income ≈ HK$21,266/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$65,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,131
−HK$601/mo
▼ 0.25% · 3.875%
HK$11,429
−HK$303/mo
Today · 4.125%
HK$11,732
baseline
▲ 0.50% · 4.625%
HK$12,350
+HK$618/mo
Deposit HK$2.19M · loan HK$2.19M · min. income ≈ HK$23,464/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$65,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,006
−HK$753/mo
▼ 0.25% · 3.875%
HK$12,380
−HK$379/mo
Today · 4.125%
HK$12,759
baseline
▲ 0.50% · 4.625%
HK$13,535
+HK$776/mo
Deposit HK$1.76M · loan HK$2.63M · min. income ≈ HK$25,518/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$65,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,357
−HK$721/mo
▼ 0.25% · 3.875%
HK$13,715
−HK$363/mo
Today · 4.125%
HK$14,078
baseline
▲ 0.50% · 4.625%
HK$14,820
+HK$742/mo
Deposit HK$1.76M · loan HK$2.63M · min. income ≈ HK$28,156/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$65,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,007
−HK$879/mo
▼ 0.25% · 3.875%
HK$14,443
−HK$443/mo
Today · 4.125%
HK$14,886
baseline
▲ 0.50% · 4.625%
HK$15,791
+HK$905/mo
Deposit HK$1.32M · loan HK$3.07M · min. income ≈ HK$29,772/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$65,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,583
−HK$842/mo
▼ 0.25% · 3.875%
HK$16,001
−HK$424/mo
Today · 4.125%
HK$16,425
baseline
▲ 0.50% · 4.625%
HK$17,291
+HK$866/mo
Deposit HK$1.32M · loan HK$3.07M · min. income ≈ HK$32,850/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$65,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,009
−HK$1,130/mo
▼ 0.25% · 3.875%
HK$18,569
−HK$570/mo
Today · 4.125%
HK$19,139
baseline
▲ 0.50% · 4.625%
HK$20,303
+HK$1,164/mo
Deposit HK$439K · loan HK$3.95M · min. income ≈ HK$38,278/mo (50% DSR)
Upfront cash ≈ HK$505K (deposit + AVD stamp duty HK$65,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,035
−HK$1,083/mo
▼ 0.25% · 3.875%
HK$20,572
−HK$546/mo
Today · 4.125%
HK$21,118
baseline
▲ 0.50% · 4.625%
HK$22,231
+HK$1,113/mo
Deposit HK$439K · loan HK$3.95M · min. income ≈ HK$42,236/mo (50% DSR)
Upfront cash ≈ HK$505K (deposit + AVD stamp duty HK$65,816 · 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).