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$10,161
−HK$637/mo
▼ 0.25% · 3.875%
HK$10,477
−HK$321/mo
Today · 4.125%
HK$10,798
baseline
▲ 0.50% · 4.625%
HK$11,456
+HK$658/mo
Deposit HK$2.23M · loan HK$2.23M · min. income ≈ HK$21,596/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$66,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,304
−HK$611/mo
▼ 0.25% · 3.875%
HK$11,607
−HK$308/mo
Today · 4.125%
HK$11,915
baseline
▲ 0.50% · 4.625%
HK$12,543
+HK$628/mo
Deposit HK$2.23M · loan HK$2.23M · min. income ≈ HK$23,830/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$66,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,194
−HK$764/mo
▼ 0.25% · 3.875%
HK$12,573
−HK$385/mo
Today · 4.125%
HK$12,958
baseline
▲ 0.50% · 4.625%
HK$13,747
+HK$789/mo
Deposit HK$1.78M · loan HK$2.67M · min. income ≈ HK$25,916/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$66,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,565
−HK$733/mo
▼ 0.25% · 3.875%
HK$13,929
−HK$369/mo
Today · 4.125%
HK$14,298
baseline
▲ 0.50% · 4.625%
HK$15,052
+HK$754/mo
Deposit HK$1.78M · loan HK$2.67M · min. income ≈ HK$28,596/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$66,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,226
−HK$892/mo
▼ 0.25% · 3.875%
HK$14,668
−HK$450/mo
Today · 4.125%
HK$15,118
baseline
▲ 0.50% · 4.625%
HK$16,038
+HK$920/mo
Deposit HK$1.34M · loan HK$3.12M · min. income ≈ HK$30,236/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$66,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,826
−HK$855/mo
▼ 0.25% · 3.875%
HK$16,250
−HK$431/mo
Today · 4.125%
HK$16,681
baseline
▲ 0.50% · 4.625%
HK$17,560
+HK$879/mo
Deposit HK$1.34M · loan HK$3.12M · min. income ≈ HK$33,362/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$66,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,290
−HK$1,147/mo
▼ 0.25% · 3.875%
HK$18,859
−HK$578/mo
Today · 4.125%
HK$19,437
baseline
▲ 0.50% · 4.625%
HK$20,620
+HK$1,183/mo
Deposit HK$446K · loan HK$4.01M · min. income ≈ HK$38,874/mo (50% DSR)
Upfront cash ≈ HK$512K (deposit + AVD stamp duty HK$66,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,348
−HK$1,099/mo
▼ 0.25% · 3.875%
HK$20,893
−HK$554/mo
Today · 4.125%
HK$21,447
baseline
▲ 0.50% · 4.625%
HK$22,578
+HK$1,131/mo
Deposit HK$446K · loan HK$4.01M · min. income ≈ HK$42,894/mo (50% DSR)
Upfront cash ≈ HK$512K (deposit + AVD stamp duty HK$66,843 · 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).