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$10,301
−HK$646/mo
▼ 0.25% · 3.875%
HK$10,622
−HK$325/mo
Today · 4.125%
HK$10,947
baseline
▲ 0.50% · 4.625%
HK$11,614
+HK$667/mo
Deposit HK$2.26M · loan HK$2.26M · min. income ≈ HK$21,894/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$69,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,460
−HK$619/mo
▼ 0.25% · 3.875%
HK$11,768
−HK$311/mo
Today · 4.125%
HK$12,079
baseline
▲ 0.50% · 4.625%
HK$12,716
+HK$637/mo
Deposit HK$2.26M · loan HK$2.26M · min. income ≈ HK$24,158/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$69,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,362
−HK$775/mo
▼ 0.25% · 3.875%
HK$12,746
−HK$391/mo
Today · 4.125%
HK$13,137
baseline
▲ 0.50% · 4.625%
HK$13,936
+HK$799/mo
Deposit HK$1.81M · loan HK$2.71M · min. income ≈ HK$26,274/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$69,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,752
−HK$743/mo
▼ 0.25% · 3.875%
HK$14,121
−HK$374/mo
Today · 4.125%
HK$14,495
baseline
▲ 0.50% · 4.625%
HK$15,259
+HK$764/mo
Deposit HK$1.81M · loan HK$2.71M · min. income ≈ HK$28,990/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$69,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,422
−HK$904/mo
▼ 0.25% · 3.875%
HK$14,871
−HK$455/mo
Today · 4.125%
HK$15,326
baseline
▲ 0.50% · 4.625%
HK$16,259
+HK$933/mo
Deposit HK$1.36M · loan HK$3.16M · min. income ≈ HK$30,652/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$69,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,044
−HK$867/mo
▼ 0.25% · 3.875%
HK$16,475
−HK$436/mo
Today · 4.125%
HK$16,911
baseline
▲ 0.50% · 4.625%
HK$17,803
+HK$892/mo
Deposit HK$1.36M · loan HK$3.16M · min. income ≈ HK$33,822/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$69,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,543
−HK$1,162/mo
▼ 0.25% · 3.875%
HK$19,119
−HK$586/mo
Today · 4.125%
HK$19,705
baseline
▲ 0.50% · 4.625%
HK$20,904
+HK$1,199/mo
Deposit HK$452K · loan HK$4.07M · min. income ≈ HK$39,410/mo (50% DSR)
Upfront cash ≈ HK$521K (deposit + AVD stamp duty HK$69,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,628
−HK$1,115/mo
▼ 0.25% · 3.875%
HK$21,182
−HK$561/mo
Today · 4.125%
HK$21,743
baseline
▲ 0.50% · 4.625%
HK$22,889
+HK$1,146/mo
Deposit HK$452K · loan HK$4.07M · min. income ≈ HK$43,486/mo (50% DSR)
Upfront cash ≈ HK$521K (deposit + AVD stamp duty HK$69,267 · 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).