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$10,396
−HK$652/mo
▼ 0.25% · 3.875%
HK$10,719
−HK$329/mo
Today · 4.125%
HK$11,048
baseline
▲ 0.50% · 4.625%
HK$11,720
+HK$672/mo
Deposit HK$2.28M · loan HK$2.28M · min. income ≈ HK$22,096/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$73,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,565
−HK$625/mo
▼ 0.25% · 3.875%
HK$11,876
−HK$314/mo
Today · 4.125%
HK$12,190
baseline
▲ 0.50% · 4.625%
HK$12,833
+HK$643/mo
Deposit HK$2.28M · loan HK$2.28M · min. income ≈ HK$24,380/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$73,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,475
−HK$782/mo
▼ 0.25% · 3.875%
HK$12,863
−HK$394/mo
Today · 4.125%
HK$13,257
baseline
▲ 0.50% · 4.625%
HK$14,064
+HK$807/mo
Deposit HK$1.82M · loan HK$2.74M · min. income ≈ HK$26,514/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$73,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,878
−HK$750/mo
▼ 0.25% · 3.875%
HK$14,251
−HK$377/mo
Today · 4.125%
HK$14,628
baseline
▲ 0.50% · 4.625%
HK$15,399
+HK$771/mo
Deposit HK$1.82M · loan HK$2.74M · min. income ≈ HK$29,256/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$73,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,554
−HK$913/mo
▼ 0.25% · 3.875%
HK$15,007
−HK$460/mo
Today · 4.125%
HK$15,467
baseline
▲ 0.50% · 4.625%
HK$16,408
+HK$941/mo
Deposit HK$1.37M · loan HK$3.19M · min. income ≈ HK$30,934/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$73,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,192
−HK$874/mo
▼ 0.25% · 3.875%
HK$16,626
−HK$440/mo
Today · 4.125%
HK$17,066
baseline
▲ 0.50% · 4.625%
HK$17,966
+HK$900/mo
Deposit HK$1.37M · loan HK$3.19M · min. income ≈ HK$34,132/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$73,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,713
−HK$1,173/mo
▼ 0.25% · 3.875%
HK$19,295
−HK$591/mo
Today · 4.125%
HK$19,886
baseline
▲ 0.50% · 4.625%
HK$21,096
+HK$1,210/mo
Deposit HK$456K · loan HK$4.10M · min. income ≈ HK$39,772/mo (50% DSR)
Upfront cash ≈ HK$529K (deposit + AVD stamp duty HK$73,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,818
−HK$1,124/mo
▼ 0.25% · 3.875%
HK$21,376
−HK$566/mo
Today · 4.125%
HK$21,942
baseline
▲ 0.50% · 4.625%
HK$23,099
+HK$1,157/mo
Deposit HK$456K · loan HK$4.10M · min. income ≈ HK$43,884/mo (50% DSR)
Upfront cash ≈ HK$529K (deposit + AVD stamp duty HK$73,411 · 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).