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$10,199
−HK$639/mo
▼ 0.25% · 3.875%
HK$10,516
−HK$322/mo
Today · 4.125%
HK$10,838
baseline
▲ 0.50% · 4.625%
HK$11,498
+HK$660/mo
Deposit HK$2.24M · loan HK$2.24M · min. income ≈ HK$21,676/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$67,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,346
−HK$613/mo
▼ 0.25% · 3.875%
HK$11,650
−HK$309/mo
Today · 4.125%
HK$11,959
baseline
▲ 0.50% · 4.625%
HK$12,589
+HK$630/mo
Deposit HK$2.24M · loan HK$2.24M · min. income ≈ HK$23,918/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$67,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,238
−HK$768/mo
▼ 0.25% · 3.875%
HK$12,619
−HK$387/mo
Today · 4.125%
HK$13,006
baseline
▲ 0.50% · 4.625%
HK$13,797
+HK$791/mo
Deposit HK$1.79M · loan HK$2.68M · min. income ≈ HK$26,012/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$67,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,615
−HK$735/mo
▼ 0.25% · 3.875%
HK$13,980
−HK$370/mo
Today · 4.125%
HK$14,350
baseline
▲ 0.50% · 4.625%
HK$15,107
+HK$757/mo
Deposit HK$1.79M · loan HK$2.68M · min. income ≈ HK$28,700/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$67,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,278
−HK$895/mo
▼ 0.25% · 3.875%
HK$14,722
−HK$451/mo
Today · 4.125%
HK$15,173
baseline
▲ 0.50% · 4.625%
HK$16,097
+HK$924/mo
Deposit HK$1.34M · loan HK$3.13M · min. income ≈ HK$30,346/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$67,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,884
−HK$858/mo
▼ 0.25% · 3.875%
HK$16,310
−HK$432/mo
Today · 4.125%
HK$16,742
baseline
▲ 0.50% · 4.625%
HK$17,625
+HK$883/mo
Deposit HK$1.34M · loan HK$3.13M · min. income ≈ HK$33,484/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$67,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,357
−HK$1,152/mo
▼ 0.25% · 3.875%
HK$18,928
−HK$581/mo
Today · 4.125%
HK$19,509
baseline
▲ 0.50% · 4.625%
HK$20,696
+HK$1,187/mo
Deposit HK$447K · loan HK$4.03M · min. income ≈ HK$39,018/mo (50% DSR)
Upfront cash ≈ HK$514K (deposit + AVD stamp duty HK$67,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,422
−HK$1,104/mo
▼ 0.25% · 3.875%
HK$20,970
−HK$556/mo
Today · 4.125%
HK$21,526
baseline
▲ 0.50% · 4.625%
HK$22,660
+HK$1,134/mo
Deposit HK$447K · loan HK$4.03M · min. income ≈ HK$43,052/mo (50% DSR)
Upfront cash ≈ HK$514K (deposit + AVD stamp duty HK$67,089 · 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).