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$10,225
−HK$642/mo
▼ 0.25% · 3.875%
HK$10,543
−HK$324/mo
Today · 4.125%
HK$10,867
baseline
▲ 0.50% · 4.625%
HK$11,528
+HK$661/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$67,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,376
−HK$614/mo
▼ 0.25% · 3.875%
HK$11,681
−HK$309/mo
Today · 4.125%
HK$11,990
baseline
▲ 0.50% · 4.625%
HK$12,622
+HK$632/mo
Deposit HK$2.24M · loan HK$2.24M · min. income ≈ HK$23,980/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$67,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,270
−HK$770/mo
▼ 0.25% · 3.875%
HK$12,652
−HK$388/mo
Today · 4.125%
HK$13,040
baseline
▲ 0.50% · 4.625%
HK$13,833
+HK$793/mo
Deposit HK$1.79M · loan HK$2.69M · min. income ≈ HK$26,080/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$67,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,651
−HK$737/mo
▼ 0.25% · 3.875%
HK$14,017
−HK$371/mo
Today · 4.125%
HK$14,388
baseline
▲ 0.50% · 4.625%
HK$15,147
+HK$759/mo
Deposit HK$1.79M · loan HK$2.69M · min. income ≈ HK$28,776/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$67,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,316
−HK$897/mo
▼ 0.25% · 3.875%
HK$14,761
−HK$452/mo
Today · 4.125%
HK$15,213
baseline
▲ 0.50% · 4.625%
HK$16,139
+HK$926/mo
Deposit HK$1.35M · loan HK$3.14M · min. income ≈ HK$30,426/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$67,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,926
−HK$860/mo
▼ 0.25% · 3.875%
HK$16,353
−HK$433/mo
Today · 4.125%
HK$16,786
baseline
▲ 0.50% · 4.625%
HK$17,671
+HK$885/mo
Deposit HK$1.35M · loan HK$3.14M · min. income ≈ HK$33,572/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$67,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,406
−HK$1,154/mo
▼ 0.25% · 3.875%
HK$18,978
−HK$582/mo
Today · 4.125%
HK$19,560
baseline
▲ 0.50% · 4.625%
HK$20,750
+HK$1,190/mo
Deposit HK$448K · loan HK$4.04M · min. income ≈ HK$39,120/mo (50% DSR)
Upfront cash ≈ HK$516K (deposit + AVD stamp duty HK$67,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,476
−HK$1,106/mo
▼ 0.25% · 3.875%
HK$21,025
−HK$557/mo
Today · 4.125%
HK$21,582
baseline
▲ 0.50% · 4.625%
HK$22,720
+HK$1,138/mo
Deposit HK$448K · loan HK$4.04M · min. income ≈ HK$43,164/mo (50% DSR)
Upfront cash ≈ HK$516K (deposit + AVD stamp duty HK$67,265 · 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).