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$10,424
−HK$654/mo
▼ 0.25% · 3.875%
HK$10,749
−HK$329/mo
Today · 4.125%
HK$11,078
baseline
▲ 0.50% · 4.625%
HK$11,752
+HK$674/mo
Deposit HK$2.29M · loan HK$2.29M · min. income ≈ HK$22,156/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$74,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,597
−HK$627/mo
▼ 0.25% · 3.875%
HK$11,908
−HK$316/mo
Today · 4.125%
HK$12,224
baseline
▲ 0.50% · 4.625%
HK$12,868
+HK$644/mo
Deposit HK$2.29M · loan HK$2.29M · min. income ≈ HK$24,448/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$74,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,509
−HK$785/mo
▼ 0.25% · 3.875%
HK$12,898
−HK$396/mo
Today · 4.125%
HK$13,294
baseline
▲ 0.50% · 4.625%
HK$14,103
+HK$809/mo
Deposit HK$1.83M · loan HK$2.74M · min. income ≈ HK$26,588/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$74,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,917
−HK$751/mo
▼ 0.25% · 3.875%
HK$14,290
−HK$378/mo
Today · 4.125%
HK$14,668
baseline
▲ 0.50% · 4.625%
HK$15,442
+HK$774/mo
Deposit HK$1.83M · loan HK$2.74M · min. income ≈ HK$29,336/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$74,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,594
−HK$915/mo
▼ 0.25% · 3.875%
HK$15,048
−HK$461/mo
Today · 4.125%
HK$15,509
baseline
▲ 0.50% · 4.625%
HK$16,453
+HK$944/mo
Deposit HK$1.37M · loan HK$3.20M · min. income ≈ HK$31,018/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$74,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,236
−HK$877/mo
▼ 0.25% · 3.875%
HK$16,671
−HK$442/mo
Today · 4.125%
HK$17,113
baseline
▲ 0.50% · 4.625%
HK$18,015
+HK$902/mo
Deposit HK$1.37M · loan HK$3.20M · min. income ≈ HK$34,226/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$74,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,764
−HK$1,177/mo
▼ 0.25% · 3.875%
HK$19,348
−HK$593/mo
Today · 4.125%
HK$19,941
baseline
▲ 0.50% · 4.625%
HK$21,154
+HK$1,213/mo
Deposit HK$457K · loan HK$4.11M · min. income ≈ HK$39,882/mo (50% DSR)
Upfront cash ≈ HK$532K (deposit + AVD stamp duty HK$74,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,875
−HK$1,128/mo
▼ 0.25% · 3.875%
HK$21,435
−HK$568/mo
Today · 4.125%
HK$22,003
baseline
▲ 0.50% · 4.625%
HK$23,162
+HK$1,159/mo
Deposit HK$457K · loan HK$4.11M · min. income ≈ HK$44,006/mo (50% DSR)
Upfront cash ≈ HK$532K (deposit + AVD stamp duty HK$74,662 · 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).