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$10,154
−HK$636/mo
▼ 0.25% · 3.875%
HK$10,469
−HK$321/mo
Today · 4.125%
HK$10,790
baseline
▲ 0.50% · 4.625%
HK$11,447
+HK$657/mo
Deposit HK$2.23M · loan HK$2.23M · min. income ≈ HK$21,580/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$66,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,296
−HK$610/mo
▼ 0.25% · 3.875%
HK$11,599
−HK$307/mo
Today · 4.125%
HK$11,906
baseline
▲ 0.50% · 4.625%
HK$12,534
+HK$628/mo
Deposit HK$2.23M · loan HK$2.23M · min. income ≈ HK$23,812/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$66,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,184
−HK$764/mo
▼ 0.25% · 3.875%
HK$12,563
−HK$385/mo
Today · 4.125%
HK$12,948
baseline
▲ 0.50% · 4.625%
HK$13,736
+HK$788/mo
Deposit HK$1.78M · loan HK$2.67M · min. income ≈ HK$25,896/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$66,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,555
−HK$732/mo
▼ 0.25% · 3.875%
HK$13,918
−HK$369/mo
Today · 4.125%
HK$14,287
baseline
▲ 0.50% · 4.625%
HK$15,040
+HK$753/mo
Deposit HK$1.78M · loan HK$2.67M · min. income ≈ HK$28,574/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$66,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,215
−HK$891/mo
▼ 0.25% · 3.875%
HK$14,657
−HK$449/mo
Today · 4.125%
HK$15,106
baseline
▲ 0.50% · 4.625%
HK$16,026
+HK$920/mo
Deposit HK$1.34M · loan HK$3.12M · min. income ≈ HK$30,212/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$66,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,814
−HK$854/mo
▼ 0.25% · 3.875%
HK$16,238
−HK$430/mo
Today · 4.125%
HK$16,668
baseline
▲ 0.50% · 4.625%
HK$17,547
+HK$879/mo
Deposit HK$1.34M · loan HK$3.12M · min. income ≈ HK$33,336/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$66,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,276
−HK$1,146/mo
▼ 0.25% · 3.875%
HK$18,845
−HK$577/mo
Today · 4.125%
HK$19,422
baseline
▲ 0.50% · 4.625%
HK$20,604
+HK$1,182/mo
Deposit HK$445K · loan HK$4.01M · min. income ≈ HK$38,844/mo (50% DSR)
Upfront cash ≈ HK$512K (deposit + AVD stamp duty HK$66,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,332
−HK$1,099/mo
▼ 0.25% · 3.875%
HK$20,878
−HK$553/mo
Today · 4.125%
HK$21,431
baseline
▲ 0.50% · 4.625%
HK$22,560
+HK$1,129/mo
Deposit HK$445K · loan HK$4.01M · min. income ≈ HK$42,862/mo (50% DSR)
Upfront cash ≈ HK$512K (deposit + AVD stamp duty HK$66,792 · 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).