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$10,291
−HK$645/mo
▼ 0.25% · 3.875%
HK$10,611
−HK$325/mo
Today · 4.125%
HK$10,936
baseline
▲ 0.50% · 4.625%
HK$11,601
+HK$665/mo
Deposit HK$2.26M · loan HK$2.26M · min. income ≈ HK$21,872/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$68,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,448
−HK$619/mo
▼ 0.25% · 3.875%
HK$11,755
−HK$312/mo
Today · 4.125%
HK$12,067
baseline
▲ 0.50% · 4.625%
HK$12,703
+HK$636/mo
Deposit HK$2.26M · loan HK$2.26M · min. income ≈ HK$24,134/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$68,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,349
−HK$774/mo
▼ 0.25% · 3.875%
HK$12,733
−HK$390/mo
Today · 4.125%
HK$13,123
baseline
▲ 0.50% · 4.625%
HK$13,922
+HK$799/mo
Deposit HK$1.81M · loan HK$2.71M · min. income ≈ HK$26,246/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$68,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,738
−HK$742/mo
▼ 0.25% · 3.875%
HK$14,106
−HK$374/mo
Today · 4.125%
HK$14,480
baseline
▲ 0.50% · 4.625%
HK$15,243
+HK$763/mo
Deposit HK$1.81M · loan HK$2.71M · min. income ≈ HK$28,960/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$68,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,407
−HK$903/mo
▼ 0.25% · 3.875%
HK$14,855
−HK$455/mo
Today · 4.125%
HK$15,310
baseline
▲ 0.50% · 4.625%
HK$16,242
+HK$932/mo
Deposit HK$1.35M · loan HK$3.16M · min. income ≈ HK$30,620/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$68,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,027
−HK$866/mo
▼ 0.25% · 3.875%
HK$16,457
−HK$436/mo
Today · 4.125%
HK$16,893
baseline
▲ 0.50% · 4.625%
HK$17,784
+HK$891/mo
Deposit HK$1.35M · loan HK$3.16M · min. income ≈ HK$33,786/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$68,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,523
−HK$1,162/mo
▼ 0.25% · 3.875%
HK$19,099
−HK$586/mo
Today · 4.125%
HK$19,685
baseline
▲ 0.50% · 4.625%
HK$20,882
+HK$1,197/mo
Deposit HK$451K · loan HK$4.06M · min. income ≈ HK$39,370/mo (50% DSR)
Upfront cash ≈ HK$520K (deposit + AVD stamp duty HK$68,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,607
−HK$1,113/mo
▼ 0.25% · 3.875%
HK$21,159
−HK$561/mo
Today · 4.125%
HK$21,720
baseline
▲ 0.50% · 4.625%
HK$22,865
+HK$1,145/mo
Deposit HK$451K · loan HK$4.06M · min. income ≈ HK$43,440/mo (50% DSR)
Upfront cash ≈ HK$520K (deposit + AVD stamp duty HK$68,792 · 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).