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$10,334
−HK$648/mo
▼ 0.25% · 3.875%
HK$10,655
−HK$327/mo
Today · 4.125%
HK$10,982
baseline
▲ 0.50% · 4.625%
HK$11,650
+HK$668/mo
Deposit HK$2.27M · loan HK$2.27M · min. income ≈ HK$21,964/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$70,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,496
−HK$621/mo
▼ 0.25% · 3.875%
HK$11,804
−HK$313/mo
Today · 4.125%
HK$12,117
baseline
▲ 0.50% · 4.625%
HK$12,756
+HK$639/mo
Deposit HK$2.27M · loan HK$2.27M · min. income ≈ HK$24,234/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$70,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,400
−HK$778/mo
▼ 0.25% · 3.875%
HK$12,786
−HK$392/mo
Today · 4.125%
HK$13,178
baseline
▲ 0.50% · 4.625%
HK$13,980
+HK$802/mo
Deposit HK$1.81M · loan HK$2.72M · min. income ≈ HK$26,356/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$70,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,795
−HK$746/mo
▼ 0.25% · 3.875%
HK$14,165
−HK$376/mo
Today · 4.125%
HK$14,541
baseline
▲ 0.50% · 4.625%
HK$15,307
+HK$766/mo
Deposit HK$1.81M · loan HK$2.72M · min. income ≈ HK$29,082/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$70,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,467
−HK$907/mo
▼ 0.25% · 3.875%
HK$14,917
−HK$457/mo
Today · 4.125%
HK$15,374
baseline
▲ 0.50% · 4.625%
HK$16,310
+HK$936/mo
Deposit HK$1.36M · loan HK$3.17M · min. income ≈ HK$30,748/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$70,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,095
−HK$869/mo
▼ 0.25% · 3.875%
HK$16,526
−HK$438/mo
Today · 4.125%
HK$16,964
baseline
▲ 0.50% · 4.625%
HK$17,858
+HK$894/mo
Deposit HK$1.36M · loan HK$3.17M · min. income ≈ HK$33,928/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$70,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,601
−HK$1,166/mo
▼ 0.25% · 3.875%
HK$19,179
−HK$588/mo
Today · 4.125%
HK$19,767
baseline
▲ 0.50% · 4.625%
HK$20,970
+HK$1,203/mo
Deposit HK$453K · loan HK$4.08M · min. income ≈ HK$39,534/mo (50% DSR)
Upfront cash ≈ HK$524K (deposit + AVD stamp duty HK$70,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,693
−HK$1,118/mo
▼ 0.25% · 3.875%
HK$21,248
−HK$563/mo
Today · 4.125%
HK$21,811
baseline
▲ 0.50% · 4.625%
HK$22,961
+HK$1,150/mo
Deposit HK$453K · loan HK$4.08M · min. income ≈ HK$43,622/mo (50% DSR)
Upfront cash ≈ HK$524K (deposit + AVD stamp duty HK$70,681 · 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).