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$10,386
−HK$651/mo
▼ 0.25% · 3.875%
HK$10,709
−HK$328/mo
Today · 4.125%
HK$11,037
baseline
▲ 0.50% · 4.625%
HK$11,709
+HK$672/mo
Deposit HK$2.28M · loan HK$2.28M · min. income ≈ HK$22,074/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$72,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,554
−HK$624/mo
▼ 0.25% · 3.875%
HK$11,864
−HK$314/mo
Today · 4.125%
HK$12,178
baseline
▲ 0.50% · 4.625%
HK$12,820
+HK$642/mo
Deposit HK$2.28M · loan HK$2.28M · min. income ≈ HK$24,356/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$72,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,463
−HK$782/mo
▼ 0.25% · 3.875%
HK$12,851
−HK$394/mo
Today · 4.125%
HK$13,245
baseline
▲ 0.50% · 4.625%
HK$14,050
+HK$805/mo
Deposit HK$1.82M · loan HK$2.73M · min. income ≈ HK$26,490/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$72,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,865
−HK$749/mo
▼ 0.25% · 3.875%
HK$14,237
−HK$377/mo
Today · 4.125%
HK$14,614
baseline
▲ 0.50% · 4.625%
HK$15,384
+HK$770/mo
Deposit HK$1.82M · loan HK$2.73M · min. income ≈ HK$29,228/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$72,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,540
−HK$912/mo
▼ 0.25% · 3.875%
HK$14,992
−HK$460/mo
Today · 4.125%
HK$15,452
baseline
▲ 0.50% · 4.625%
HK$16,392
+HK$940/mo
Deposit HK$1.37M · loan HK$3.19M · min. income ≈ HK$30,904/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$72,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,176
−HK$874/mo
▼ 0.25% · 3.875%
HK$16,610
−HK$440/mo
Today · 4.125%
HK$17,050
baseline
▲ 0.50% · 4.625%
HK$17,948
+HK$898/mo
Deposit HK$1.37M · loan HK$3.19M · min. income ≈ HK$34,100/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$72,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,694
−HK$1,173/mo
▼ 0.25% · 3.875%
HK$19,276
−HK$591/mo
Today · 4.125%
HK$19,867
baseline
▲ 0.50% · 4.625%
HK$21,076
+HK$1,209/mo
Deposit HK$455K · loan HK$4.10M · min. income ≈ HK$39,734/mo (50% DSR)
Upfront cash ≈ HK$528K (deposit + AVD stamp duty HK$72,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,797
−HK$1,124/mo
▼ 0.25% · 3.875%
HK$21,355
−HK$566/mo
Today · 4.125%
HK$21,921
baseline
▲ 0.50% · 4.625%
HK$23,077
+HK$1,156/mo
Deposit HK$455K · loan HK$4.10M · min. income ≈ HK$43,842/mo (50% DSR)
Upfront cash ≈ HK$528K (deposit + AVD stamp duty HK$72,968 · 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).