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$10,198
−HK$639/mo
▼ 0.25% · 3.875%
HK$10,515
−HK$322/mo
Today · 4.125%
HK$10,837
baseline
▲ 0.50% · 4.625%
HK$11,497
+HK$660/mo
Deposit HK$2.24M · loan HK$2.24M · min. income ≈ HK$21,674/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$67,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,345
−HK$613/mo
▼ 0.25% · 3.875%
HK$11,649
−HK$309/mo
Today · 4.125%
HK$11,958
baseline
▲ 0.50% · 4.625%
HK$12,588
+HK$630/mo
Deposit HK$2.24M · loan HK$2.24M · min. income ≈ HK$23,916/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$67,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,237
−HK$768/mo
▼ 0.25% · 3.875%
HK$12,618
−HK$387/mo
Today · 4.125%
HK$13,005
baseline
▲ 0.50% · 4.625%
HK$13,796
+HK$791/mo
Deposit HK$1.79M · loan HK$2.68M · min. income ≈ HK$26,010/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$67,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,614
−HK$735/mo
▼ 0.25% · 3.875%
HK$13,979
−HK$370/mo
Today · 4.125%
HK$14,349
baseline
▲ 0.50% · 4.625%
HK$15,106
+HK$757/mo
Deposit HK$1.79M · loan HK$2.68M · min. income ≈ HK$28,698/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$67,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,277
−HK$895/mo
▼ 0.25% · 3.875%
HK$14,721
−HK$451/mo
Today · 4.125%
HK$15,172
baseline
▲ 0.50% · 4.625%
HK$16,095
+HK$923/mo
Deposit HK$1.34M · loan HK$3.13M · min. income ≈ HK$30,344/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$67,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,883
−HK$858/mo
▼ 0.25% · 3.875%
HK$16,309
−HK$432/mo
Today · 4.125%
HK$16,741
baseline
▲ 0.50% · 4.625%
HK$17,623
+HK$882/mo
Deposit HK$1.34M · loan HK$3.13M · min. income ≈ HK$33,482/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$67,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,356
−HK$1,151/mo
▼ 0.25% · 3.875%
HK$18,927
−HK$580/mo
Today · 4.125%
HK$19,507
baseline
▲ 0.50% · 4.625%
HK$20,694
+HK$1,187/mo
Deposit HK$447K · loan HK$4.02M · min. income ≈ HK$39,014/mo (50% DSR)
Upfront cash ≈ HK$514K (deposit + AVD stamp duty HK$67,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,421
−HK$1,103/mo
▼ 0.25% · 3.875%
HK$20,969
−HK$555/mo
Today · 4.125%
HK$21,524
baseline
▲ 0.50% · 4.625%
HK$22,659
+HK$1,135/mo
Deposit HK$447K · loan HK$4.02M · min. income ≈ HK$43,048/mo (50% DSR)
Upfront cash ≈ HK$514K (deposit + AVD stamp duty HK$67,084 · 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).