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$10,408
−HK$653/mo
▼ 0.25% · 3.875%
HK$10,732
−HK$329/mo
Today · 4.125%
HK$11,061
baseline
▲ 0.50% · 4.625%
HK$11,734
+HK$673/mo
Deposit HK$2.28M · loan HK$2.28M · min. income ≈ HK$22,122/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$73,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,579
−HK$626/mo
▼ 0.25% · 3.875%
HK$11,890
−HK$315/mo
Today · 4.125%
HK$12,205
baseline
▲ 0.50% · 4.625%
HK$12,848
+HK$643/mo
Deposit HK$2.28M · loan HK$2.28M · min. income ≈ HK$24,410/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$73,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,490
−HK$783/mo
▼ 0.25% · 3.875%
HK$12,879
−HK$394/mo
Today · 4.125%
HK$13,273
baseline
▲ 0.50% · 4.625%
HK$14,081
+HK$808/mo
Deposit HK$1.83M · loan HK$2.74M · min. income ≈ HK$26,546/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$73,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,895
−HK$751/mo
▼ 0.25% · 3.875%
HK$14,268
−HK$378/mo
Today · 4.125%
HK$14,646
baseline
▲ 0.50% · 4.625%
HK$15,418
+HK$772/mo
Deposit HK$1.83M · loan HK$2.74M · min. income ≈ HK$29,292/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$73,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,572
−HK$914/mo
▼ 0.25% · 3.875%
HK$15,025
−HK$461/mo
Today · 4.125%
HK$15,486
baseline
▲ 0.50% · 4.625%
HK$16,428
+HK$942/mo
Deposit HK$1.37M · loan HK$3.20M · min. income ≈ HK$30,972/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$73,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,211
−HK$876/mo
▼ 0.25% · 3.875%
HK$16,646
−HK$441/mo
Today · 4.125%
HK$17,087
baseline
▲ 0.50% · 4.625%
HK$17,987
+HK$900/mo
Deposit HK$1.37M · loan HK$3.20M · min. income ≈ HK$34,174/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$73,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,735
−HK$1,175/mo
▼ 0.25% · 3.875%
HK$19,318
−HK$592/mo
Today · 4.125%
HK$19,910
baseline
▲ 0.50% · 4.625%
HK$21,121
+HK$1,211/mo
Deposit HK$456K · loan HK$4.11M · min. income ≈ HK$39,820/mo (50% DSR)
Upfront cash ≈ HK$530K (deposit + AVD stamp duty HK$73,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,843
−HK$1,126/mo
▼ 0.25% · 3.875%
HK$21,402
−HK$567/mo
Today · 4.125%
HK$21,969
baseline
▲ 0.50% · 4.625%
HK$23,127
+HK$1,158/mo
Deposit HK$456K · loan HK$4.11M · min. income ≈ HK$43,938/mo (50% DSR)
Upfront cash ≈ HK$530K (deposit + AVD stamp duty HK$73,957 · 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).