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$10,219
−HK$641/mo
▼ 0.25% · 3.875%
HK$10,537
−HK$323/mo
Today · 4.125%
HK$10,860
baseline
▲ 0.50% · 4.625%
HK$11,521
+HK$661/mo
Deposit HK$2.24M · loan HK$2.24M · min. income ≈ HK$21,720/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$67,224 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,369
−HK$614/mo
▼ 0.25% · 3.875%
HK$11,674
−HK$309/mo
Today · 4.125%
HK$11,983
baseline
▲ 0.50% · 4.625%
HK$12,615
+HK$632/mo
Deposit HK$2.24M · loan HK$2.24M · min. income ≈ HK$23,966/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$67,224 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,263
−HK$769/mo
▼ 0.25% · 3.875%
HK$12,644
−HK$388/mo
Today · 4.125%
HK$13,032
baseline
▲ 0.50% · 4.625%
HK$13,825
+HK$793/mo
Deposit HK$1.79M · loan HK$2.69M · min. income ≈ HK$26,064/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$67,224 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,642
−HK$738/mo
▼ 0.25% · 3.875%
HK$14,008
−HK$372/mo
Today · 4.125%
HK$14,380
baseline
▲ 0.50% · 4.625%
HK$15,137
+HK$757/mo
Deposit HK$1.79M · loan HK$2.69M · min. income ≈ HK$28,760/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$67,224 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,307
−HK$897/mo
▼ 0.25% · 3.875%
HK$14,752
−HK$452/mo
Today · 4.125%
HK$15,204
baseline
▲ 0.50% · 4.625%
HK$16,129
+HK$925/mo
Deposit HK$1.34M · loan HK$3.14M · min. income ≈ HK$30,408/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$67,224 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,916
−HK$860/mo
▼ 0.25% · 3.875%
HK$16,343
−HK$433/mo
Today · 4.125%
HK$16,776
baseline
▲ 0.50% · 4.625%
HK$17,660
+HK$884/mo
Deposit HK$1.34M · loan HK$3.14M · min. income ≈ HK$33,552/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$67,224 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,394
−HK$1,154/mo
▼ 0.25% · 3.875%
HK$18,967
−HK$581/mo
Today · 4.125%
HK$19,548
baseline
▲ 0.50% · 4.625%
HK$20,737
+HK$1,189/mo
Deposit HK$448K · loan HK$4.03M · min. income ≈ HK$39,096/mo (50% DSR)
Upfront cash ≈ HK$515K (deposit + AVD stamp duty HK$67,224 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,464
−HK$1,105/mo
▼ 0.25% · 3.875%
HK$21,013
−HK$556/mo
Today · 4.125%
HK$21,569
baseline
▲ 0.50% · 4.625%
HK$22,706
+HK$1,137/mo
Deposit HK$448K · loan HK$4.03M · min. income ≈ HK$43,138/mo (50% DSR)
Upfront cash ≈ HK$515K (deposit + AVD stamp duty HK$67,224 · 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).