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$10,379
−HK$651/mo
▼ 0.25% · 3.875%
HK$10,702
−HK$328/mo
Today · 4.125%
HK$11,030
baseline
▲ 0.50% · 4.625%
HK$11,701
+HK$671/mo
Deposit HK$2.28M · loan HK$2.28M · min. income ≈ HK$22,060/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$72,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,547
−HK$624/mo
▼ 0.25% · 3.875%
HK$11,857
−HK$314/mo
Today · 4.125%
HK$12,171
baseline
▲ 0.50% · 4.625%
HK$12,812
+HK$641/mo
Deposit HK$2.28M · loan HK$2.28M · min. income ≈ HK$24,342/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$72,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,455
−HK$781/mo
▼ 0.25% · 3.875%
HK$12,843
−HK$393/mo
Today · 4.125%
HK$13,236
baseline
▲ 0.50% · 4.625%
HK$14,042
+HK$806/mo
Deposit HK$1.82M · loan HK$2.73M · min. income ≈ HK$26,472/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$72,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,856
−HK$749/mo
▼ 0.25% · 3.875%
HK$14,228
−HK$377/mo
Today · 4.125%
HK$14,605
baseline
▲ 0.50% · 4.625%
HK$15,375
+HK$770/mo
Deposit HK$1.82M · loan HK$2.73M · min. income ≈ HK$29,210/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$72,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,531
−HK$911/mo
▼ 0.25% · 3.875%
HK$14,983
−HK$459/mo
Today · 4.125%
HK$15,442
baseline
▲ 0.50% · 4.625%
HK$16,382
+HK$940/mo
Deposit HK$1.37M · loan HK$3.19M · min. income ≈ HK$30,884/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$72,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,166
−HK$873/mo
▼ 0.25% · 3.875%
HK$16,599
−HK$440/mo
Today · 4.125%
HK$17,039
baseline
▲ 0.50% · 4.625%
HK$17,937
+HK$898/mo
Deposit HK$1.37M · loan HK$3.19M · min. income ≈ HK$34,078/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$72,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,683
−HK$1,171/mo
▼ 0.25% · 3.875%
HK$19,264
−HK$590/mo
Today · 4.125%
HK$19,854
baseline
▲ 0.50% · 4.625%
HK$21,062
+HK$1,208/mo
Deposit HK$455K · loan HK$4.10M · min. income ≈ HK$39,708/mo (50% DSR)
Upfront cash ≈ HK$528K (deposit + AVD stamp duty HK$72,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,784
−HK$1,123/mo
▼ 0.25% · 3.875%
HK$21,342
−HK$565/mo
Today · 4.125%
HK$21,907
baseline
▲ 0.50% · 4.625%
HK$23,062
+HK$1,155/mo
Deposit HK$455K · loan HK$4.10M · min. income ≈ HK$43,814/mo (50% DSR)
Upfront cash ≈ HK$528K (deposit + AVD stamp duty HK$72,682 · 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).