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$10,289
−HK$645/mo
▼ 0.25% · 3.875%
HK$10,609
−HK$325/mo
Today · 4.125%
HK$10,934
baseline
▲ 0.50% · 4.625%
HK$11,599
+HK$665/mo
Deposit HK$2.26M · loan HK$2.26M · min. income ≈ HK$21,868/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$68,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,446
−HK$618/mo
▼ 0.25% · 3.875%
HK$11,753
−HK$311/mo
Today · 4.125%
HK$12,064
baseline
▲ 0.50% · 4.625%
HK$12,700
+HK$636/mo
Deposit HK$2.26M · loan HK$2.26M · min. income ≈ HK$24,128/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$68,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,346
−HK$775/mo
▼ 0.25% · 3.875%
HK$12,730
−HK$391/mo
Today · 4.125%
HK$13,121
baseline
▲ 0.50% · 4.625%
HK$13,919
+HK$798/mo
Deposit HK$1.80M · loan HK$2.71M · min. income ≈ HK$26,242/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$68,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,735
−HK$742/mo
▼ 0.25% · 3.875%
HK$14,104
−HK$373/mo
Today · 4.125%
HK$14,477
baseline
▲ 0.50% · 4.625%
HK$15,240
+HK$763/mo
Deposit HK$1.80M · loan HK$2.71M · min. income ≈ HK$28,954/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$68,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,404
−HK$903/mo
▼ 0.25% · 3.875%
HK$14,852
−HK$455/mo
Today · 4.125%
HK$15,307
baseline
▲ 0.50% · 4.625%
HK$16,239
+HK$932/mo
Deposit HK$1.35M · loan HK$3.16M · min. income ≈ HK$30,614/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$68,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,024
−HK$866/mo
▼ 0.25% · 3.875%
HK$16,454
−HK$436/mo
Today · 4.125%
HK$16,890
baseline
▲ 0.50% · 4.625%
HK$17,780
+HK$890/mo
Deposit HK$1.35M · loan HK$3.16M · min. income ≈ HK$33,780/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$68,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,520
−HK$1,161/mo
▼ 0.25% · 3.875%
HK$19,096
−HK$585/mo
Today · 4.125%
HK$19,681
baseline
▲ 0.50% · 4.625%
HK$20,878
+HK$1,197/mo
Deposit HK$451K · loan HK$4.06M · min. income ≈ HK$39,362/mo (50% DSR)
Upfront cash ≈ HK$520K (deposit + AVD stamp duty HK$68,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,603
−HK$1,113/mo
▼ 0.25% · 3.875%
HK$21,155
−HK$561/mo
Today · 4.125%
HK$21,716
baseline
▲ 0.50% · 4.625%
HK$22,861
+HK$1,145/mo
Deposit HK$451K · loan HK$4.06M · min. income ≈ HK$43,432/mo (50% DSR)
Upfront cash ≈ HK$520K (deposit + AVD stamp duty HK$68,705 · 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).