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$10,339
−HK$648/mo
▼ 0.25% · 3.875%
HK$10,660
−HK$327/mo
Today · 4.125%
HK$10,987
baseline
▲ 0.50% · 4.625%
HK$11,655
+HK$668/mo
Deposit HK$2.27M · loan HK$2.27M · min. income ≈ HK$21,974/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$70,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,502
−HK$621/mo
▼ 0.25% · 3.875%
HK$11,810
−HK$313/mo
Today · 4.125%
HK$12,123
baseline
▲ 0.50% · 4.625%
HK$12,762
+HK$639/mo
Deposit HK$2.27M · loan HK$2.27M · min. income ≈ HK$24,246/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$70,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,406
−HK$778/mo
▼ 0.25% · 3.875%
HK$12,792
−HK$392/mo
Today · 4.125%
HK$13,184
baseline
▲ 0.50% · 4.625%
HK$13,987
+HK$803/mo
Deposit HK$1.81M · loan HK$2.72M · min. income ≈ HK$26,368/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$70,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,802
−HK$746/mo
▼ 0.25% · 3.875%
HK$14,172
−HK$376/mo
Today · 4.125%
HK$14,548
baseline
▲ 0.50% · 4.625%
HK$15,314
+HK$766/mo
Deposit HK$1.81M · loan HK$2.72M · min. income ≈ HK$29,096/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$70,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,474
−HK$908/mo
▼ 0.25% · 3.875%
HK$14,924
−HK$458/mo
Today · 4.125%
HK$15,382
baseline
▲ 0.50% · 4.625%
HK$16,318
+HK$936/mo
Deposit HK$1.36M · loan HK$3.17M · min. income ≈ HK$30,764/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$70,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,102
−HK$870/mo
▼ 0.25% · 3.875%
HK$16,534
−HK$438/mo
Today · 4.125%
HK$16,972
baseline
▲ 0.50% · 4.625%
HK$17,867
+HK$895/mo
Deposit HK$1.36M · loan HK$3.17M · min. income ≈ HK$33,944/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$70,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,609
−HK$1,167/mo
▼ 0.25% · 3.875%
HK$19,188
−HK$588/mo
Today · 4.125%
HK$19,776
baseline
▲ 0.50% · 4.625%
HK$20,980
+HK$1,204/mo
Deposit HK$453K · loan HK$4.08M · min. income ≈ HK$39,552/mo (50% DSR)
Upfront cash ≈ HK$524K (deposit + AVD stamp duty HK$70,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,703
−HK$1,118/mo
▼ 0.25% · 3.875%
HK$21,258
−HK$563/mo
Today · 4.125%
HK$21,821
baseline
▲ 0.50% · 4.625%
HK$22,972
+HK$1,151/mo
Deposit HK$453K · loan HK$4.08M · min. income ≈ HK$43,642/mo (50% DSR)
Upfront cash ≈ HK$524K (deposit + AVD stamp duty HK$70,896 · 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).