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$10,318
−HK$648/mo
▼ 0.25% · 3.875%
HK$10,639
−HK$327/mo
Today · 4.125%
HK$10,966
baseline
▲ 0.50% · 4.625%
HK$11,633
+HK$667/mo
Deposit HK$2.26M · loan HK$2.26M · min. income ≈ HK$21,932/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$70,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,479
−HK$620/mo
▼ 0.25% · 3.875%
HK$11,787
−HK$312/mo
Today · 4.125%
HK$12,099
baseline
▲ 0.50% · 4.625%
HK$12,737
+HK$638/mo
Deposit HK$2.26M · loan HK$2.26M · min. income ≈ HK$24,198/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$70,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,382
−HK$777/mo
▼ 0.25% · 3.875%
HK$12,767
−HK$392/mo
Today · 4.125%
HK$13,159
baseline
▲ 0.50% · 4.625%
HK$13,959
+HK$800/mo
Deposit HK$1.81M · loan HK$2.72M · min. income ≈ HK$26,318/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$70,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,775
−HK$744/mo
▼ 0.25% · 3.875%
HK$14,144
−HK$375/mo
Today · 4.125%
HK$14,519
baseline
▲ 0.50% · 4.625%
HK$15,285
+HK$766/mo
Deposit HK$1.81M · loan HK$2.72M · min. income ≈ HK$29,038/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$70,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,446
−HK$906/mo
▼ 0.25% · 3.875%
HK$14,895
−HK$457/mo
Today · 4.125%
HK$15,352
baseline
▲ 0.50% · 4.625%
HK$16,286
+HK$934/mo
Deposit HK$1.36M · loan HK$3.17M · min. income ≈ HK$30,704/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$70,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,071
−HK$868/mo
▼ 0.25% · 3.875%
HK$16,502
−HK$437/mo
Today · 4.125%
HK$16,939
baseline
▲ 0.50% · 4.625%
HK$17,832
+HK$893/mo
Deposit HK$1.36M · loan HK$3.17M · min. income ≈ HK$33,878/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$70,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,573
−HK$1,165/mo
▼ 0.25% · 3.875%
HK$19,151
−HK$587/mo
Today · 4.125%
HK$19,738
baseline
▲ 0.50% · 4.625%
HK$20,939
+HK$1,201/mo
Deposit HK$453K · loan HK$4.07M · min. income ≈ HK$39,476/mo (50% DSR)
Upfront cash ≈ HK$523K (deposit + AVD stamp duty HK$70,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,663
−HK$1,116/mo
▼ 0.25% · 3.875%
HK$21,217
−HK$562/mo
Today · 4.125%
HK$21,779
baseline
▲ 0.50% · 4.625%
HK$22,927
+HK$1,148/mo
Deposit HK$453K · loan HK$4.07M · min. income ≈ HK$43,558/mo (50% DSR)
Upfront cash ≈ HK$523K (deposit + AVD stamp duty HK$70,014 · 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).