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$10,214
−HK$640/mo
▼ 0.25% · 3.875%
HK$10,532
−HK$322/mo
Today · 4.125%
HK$10,854
baseline
▲ 0.50% · 4.625%
HK$11,515
+HK$661/mo
Deposit HK$2.24M · loan HK$2.24M · min. income ≈ HK$21,708/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$67,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,363
−HK$614/mo
▼ 0.25% · 3.875%
HK$11,668
−HK$309/mo
Today · 4.125%
HK$11,977
baseline
▲ 0.50% · 4.625%
HK$12,608
+HK$631/mo
Deposit HK$2.24M · loan HK$2.24M · min. income ≈ HK$23,954/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$67,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,257
−HK$768/mo
▼ 0.25% · 3.875%
HK$12,638
−HK$387/mo
Today · 4.125%
HK$13,025
baseline
▲ 0.50% · 4.625%
HK$13,818
+HK$793/mo
Deposit HK$1.79M · loan HK$2.69M · min. income ≈ HK$26,050/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$67,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,635
−HK$737/mo
▼ 0.25% · 3.875%
HK$14,001
−HK$371/mo
Today · 4.125%
HK$14,372
baseline
▲ 0.50% · 4.625%
HK$15,130
+HK$758/mo
Deposit HK$1.79M · loan HK$2.69M · min. income ≈ HK$28,744/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$67,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,299
−HK$897/mo
▼ 0.25% · 3.875%
HK$14,744
−HK$452/mo
Today · 4.125%
HK$15,196
baseline
▲ 0.50% · 4.625%
HK$16,121
+HK$925/mo
Deposit HK$1.34M · loan HK$3.14M · min. income ≈ HK$30,392/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$67,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,908
−HK$859/mo
▼ 0.25% · 3.875%
HK$16,335
−HK$432/mo
Today · 4.125%
HK$16,767
baseline
▲ 0.50% · 4.625%
HK$17,651
+HK$884/mo
Deposit HK$1.34M · loan HK$3.14M · min. income ≈ HK$33,534/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$67,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,385
−HK$1,153/mo
▼ 0.25% · 3.875%
HK$18,957
−HK$581/mo
Today · 4.125%
HK$19,538
baseline
▲ 0.50% · 4.625%
HK$20,727
+HK$1,189/mo
Deposit HK$448K · loan HK$4.03M · min. income ≈ HK$39,076/mo (50% DSR)
Upfront cash ≈ HK$515K (deposit + AVD stamp duty HK$67,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,453
−HK$1,105/mo
▼ 0.25% · 3.875%
HK$21,002
−HK$556/mo
Today · 4.125%
HK$21,558
baseline
▲ 0.50% · 4.625%
HK$22,694
+HK$1,136/mo
Deposit HK$448K · loan HK$4.03M · min. income ≈ HK$43,116/mo (50% DSR)
Upfront cash ≈ HK$515K (deposit + AVD stamp duty HK$67,189 · 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).