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$10,226
−HK$641/mo
▼ 0.25% · 3.875%
HK$10,544
−HK$323/mo
Today · 4.125%
HK$10,867
baseline
▲ 0.50% · 4.625%
HK$11,529
+HK$662/mo
Deposit HK$2.24M · loan HK$2.24M · min. income ≈ HK$21,734/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$67,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,376
−HK$615/mo
▼ 0.25% · 3.875%
HK$11,682
−HK$309/mo
Today · 4.125%
HK$11,991
baseline
▲ 0.50% · 4.625%
HK$12,623
+HK$632/mo
Deposit HK$2.24M · loan HK$2.24M · min. income ≈ HK$23,982/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$67,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,271
−HK$770/mo
▼ 0.25% · 3.875%
HK$12,653
−HK$388/mo
Today · 4.125%
HK$13,041
baseline
▲ 0.50% · 4.625%
HK$13,834
+HK$793/mo
Deposit HK$1.79M · loan HK$2.69M · min. income ≈ HK$26,082/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$67,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,652
−HK$737/mo
▼ 0.25% · 3.875%
HK$14,018
−HK$371/mo
Today · 4.125%
HK$14,389
baseline
▲ 0.50% · 4.625%
HK$15,148
+HK$759/mo
Deposit HK$1.79M · loan HK$2.69M · min. income ≈ HK$28,778/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$67,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,317
−HK$897/mo
▼ 0.25% · 3.875%
HK$14,762
−HK$452/mo
Today · 4.125%
HK$15,214
baseline
▲ 0.50% · 4.625%
HK$16,140
+HK$926/mo
Deposit HK$1.35M · loan HK$3.14M · min. income ≈ HK$30,428/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$67,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,927
−HK$861/mo
▼ 0.25% · 3.875%
HK$16,354
−HK$434/mo
Today · 4.125%
HK$16,788
baseline
▲ 0.50% · 4.625%
HK$17,672
+HK$884/mo
Deposit HK$1.35M · loan HK$3.14M · min. income ≈ HK$33,576/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$67,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,407
−HK$1,154/mo
▼ 0.25% · 3.875%
HK$18,980
−HK$581/mo
Today · 4.125%
HK$19,561
baseline
▲ 0.50% · 4.625%
HK$20,752
+HK$1,191/mo
Deposit HK$448K · loan HK$4.04M · min. income ≈ HK$39,122/mo (50% DSR)
Upfront cash ≈ HK$516K (deposit + AVD stamp duty HK$67,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,478
−HK$1,106/mo
▼ 0.25% · 3.875%
HK$21,027
−HK$557/mo
Today · 4.125%
HK$21,584
baseline
▲ 0.50% · 4.625%
HK$22,722
+HK$1,138/mo
Deposit HK$448K · loan HK$4.04M · min. income ≈ HK$43,168/mo (50% DSR)
Upfront cash ≈ HK$516K (deposit + AVD stamp duty HK$67,270 · 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).