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$10,209
−HK$640/mo
▼ 0.25% · 3.875%
HK$10,526
−HK$323/mo
Today · 4.125%
HK$10,849
baseline
▲ 0.50% · 4.625%
HK$11,509
+HK$660/mo
Deposit HK$2.24M · loan HK$2.24M · min. income ≈ HK$21,698/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$67,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,357
−HK$614/mo
▼ 0.25% · 3.875%
HK$11,662
−HK$309/mo
Today · 4.125%
HK$11,971
baseline
▲ 0.50% · 4.625%
HK$12,602
+HK$631/mo
Deposit HK$2.24M · loan HK$2.24M · min. income ≈ HK$23,942/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$67,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,251
−HK$768/mo
▼ 0.25% · 3.875%
HK$12,632
−HK$387/mo
Today · 4.125%
HK$13,019
baseline
▲ 0.50% · 4.625%
HK$13,811
+HK$792/mo
Deposit HK$1.79M · loan HK$2.69M · min. income ≈ HK$26,038/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$67,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,629
−HK$736/mo
▼ 0.25% · 3.875%
HK$13,994
−HK$371/mo
Today · 4.125%
HK$14,365
baseline
▲ 0.50% · 4.625%
HK$15,122
+HK$757/mo
Deposit HK$1.79M · loan HK$2.69M · min. income ≈ HK$28,730/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$67,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,293
−HK$896/mo
▼ 0.25% · 3.875%
HK$14,737
−HK$452/mo
Today · 4.125%
HK$15,189
baseline
▲ 0.50% · 4.625%
HK$16,113
+HK$924/mo
Deposit HK$1.34M · loan HK$3.13M · min. income ≈ HK$30,378/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$67,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,900
−HK$859/mo
▼ 0.25% · 3.875%
HK$16,327
−HK$432/mo
Today · 4.125%
HK$16,759
baseline
▲ 0.50% · 4.625%
HK$17,643
+HK$884/mo
Deposit HK$1.34M · loan HK$3.13M · min. income ≈ HK$33,518/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$67,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,376
−HK$1,152/mo
▼ 0.25% · 3.875%
HK$18,948
−HK$580/mo
Today · 4.125%
HK$19,528
baseline
▲ 0.50% · 4.625%
HK$20,717
+HK$1,189/mo
Deposit HK$448K · loan HK$4.03M · min. income ≈ HK$39,056/mo (50% DSR)
Upfront cash ≈ HK$515K (deposit + AVD stamp duty HK$67,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,443
−HK$1,105/mo
▼ 0.25% · 3.875%
HK$20,991
−HK$557/mo
Today · 4.125%
HK$21,548
baseline
▲ 0.50% · 4.625%
HK$22,683
+HK$1,135/mo
Deposit HK$448K · loan HK$4.03M · min. income ≈ HK$43,096/mo (50% DSR)
Upfront cash ≈ HK$515K (deposit + AVD stamp duty HK$67,157 · 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).