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$10,397
−HK$652/mo
▼ 0.25% · 3.875%
HK$10,720
−HK$329/mo
Today · 4.125%
HK$11,049
baseline
▲ 0.50% · 4.625%
HK$11,721
+HK$672/mo
Deposit HK$2.28M · loan HK$2.28M · min. income ≈ HK$22,098/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$73,449 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,566
−HK$625/mo
▼ 0.25% · 3.875%
HK$11,877
−HK$314/mo
Today · 4.125%
HK$12,191
baseline
▲ 0.50% · 4.625%
HK$12,834
+HK$643/mo
Deposit HK$2.28M · loan HK$2.28M · min. income ≈ HK$24,382/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$73,449 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,476
−HK$783/mo
▼ 0.25% · 3.875%
HK$12,864
−HK$395/mo
Today · 4.125%
HK$13,259
baseline
▲ 0.50% · 4.625%
HK$14,065
+HK$806/mo
Deposit HK$1.82M · loan HK$2.74M · min. income ≈ HK$26,518/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$73,449 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,880
−HK$749/mo
▼ 0.25% · 3.875%
HK$14,252
−HK$377/mo
Today · 4.125%
HK$14,629
baseline
▲ 0.50% · 4.625%
HK$15,401
+HK$772/mo
Deposit HK$1.82M · loan HK$2.74M · min. income ≈ HK$29,258/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$73,449 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,556
−HK$912/mo
▼ 0.25% · 3.875%
HK$15,008
−HK$460/mo
Today · 4.125%
HK$15,468
baseline
▲ 0.50% · 4.625%
HK$16,409
+HK$941/mo
Deposit HK$1.37M · loan HK$3.19M · min. income ≈ HK$30,936/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$73,449 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,193
−HK$875/mo
▼ 0.25% · 3.875%
HK$16,627
−HK$441/mo
Today · 4.125%
HK$17,068
baseline
▲ 0.50% · 4.625%
HK$17,967
+HK$899/mo
Deposit HK$1.37M · loan HK$3.19M · min. income ≈ HK$34,136/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$73,449 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,714
−HK$1,174/mo
▼ 0.25% · 3.875%
HK$19,296
−HK$592/mo
Today · 4.125%
HK$19,888
baseline
▲ 0.50% · 4.625%
HK$21,098
+HK$1,210/mo
Deposit HK$456K · loan HK$4.10M · min. income ≈ HK$39,776/mo (50% DSR)
Upfront cash ≈ HK$529K (deposit + AVD stamp duty HK$73,449 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,819
−HK$1,125/mo
▼ 0.25% · 3.875%
HK$21,378
−HK$566/mo
Today · 4.125%
HK$21,944
baseline
▲ 0.50% · 4.625%
HK$23,101
+HK$1,157/mo
Deposit HK$456K · loan HK$4.10M · min. income ≈ HK$43,888/mo (50% DSR)
Upfront cash ≈ HK$529K (deposit + AVD stamp duty HK$73,449 · 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).