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$10,323
−HK$647/mo
▼ 0.25% · 3.875%
HK$10,644
−HK$326/mo
Today · 4.125%
HK$10,970
baseline
▲ 0.50% · 4.625%
HK$11,638
+HK$668/mo
Deposit HK$2.26M · loan HK$2.26M · min. income ≈ HK$21,940/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$70,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,484
−HK$621/mo
▼ 0.25% · 3.875%
HK$11,792
−HK$313/mo
Today · 4.125%
HK$12,105
baseline
▲ 0.50% · 4.625%
HK$12,743
+HK$638/mo
Deposit HK$2.26M · loan HK$2.26M · min. income ≈ HK$24,210/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$70,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,388
−HK$777/mo
▼ 0.25% · 3.875%
HK$12,773
−HK$392/mo
Today · 4.125%
HK$13,165
baseline
▲ 0.50% · 4.625%
HK$13,966
+HK$801/mo
Deposit HK$1.81M · loan HK$2.72M · min. income ≈ HK$26,330/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$70,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,781
−HK$745/mo
▼ 0.25% · 3.875%
HK$14,151
−HK$375/mo
Today · 4.125%
HK$14,526
baseline
▲ 0.50% · 4.625%
HK$15,291
+HK$765/mo
Deposit HK$1.81M · loan HK$2.72M · min. income ≈ HK$29,052/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$70,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,452
−HK$907/mo
▼ 0.25% · 3.875%
HK$14,902
−HK$457/mo
Today · 4.125%
HK$15,359
baseline
▲ 0.50% · 4.625%
HK$16,293
+HK$934/mo
Deposit HK$1.36M · loan HK$3.17M · min. income ≈ HK$30,718/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$70,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,078
−HK$869/mo
▼ 0.25% · 3.875%
HK$16,509
−HK$438/mo
Today · 4.125%
HK$16,947
baseline
▲ 0.50% · 4.625%
HK$17,840
+HK$893/mo
Deposit HK$1.36M · loan HK$3.17M · min. income ≈ HK$33,894/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$70,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,582
−HK$1,165/mo
▼ 0.25% · 3.875%
HK$19,160
−HK$587/mo
Today · 4.125%
HK$19,747
baseline
▲ 0.50% · 4.625%
HK$20,948
+HK$1,201/mo
Deposit HK$453K · loan HK$4.07M · min. income ≈ HK$39,494/mo (50% DSR)
Upfront cash ≈ HK$523K (deposit + AVD stamp duty HK$70,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,672
−HK$1,117/mo
▼ 0.25% · 3.875%
HK$21,226
−HK$563/mo
Today · 4.125%
HK$21,789
baseline
▲ 0.50% · 4.625%
HK$22,937
+HK$1,148/mo
Deposit HK$453K · loan HK$4.07M · min. income ≈ HK$43,578/mo (50% DSR)
Upfront cash ≈ HK$523K (deposit + AVD stamp duty HK$70,218 · 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).