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$10,439
−HK$655/mo
▼ 0.25% · 3.875%
HK$10,764
−HK$330/mo
Today · 4.125%
HK$11,094
baseline
▲ 0.50% · 4.625%
HK$11,769
+HK$675/mo
Deposit HK$2.29M · loan HK$2.29M · min. income ≈ HK$22,188/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$75,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,614
−HK$627/mo
▼ 0.25% · 3.875%
HK$11,925
−HK$316/mo
Today · 4.125%
HK$12,241
baseline
▲ 0.50% · 4.625%
HK$12,886
+HK$645/mo
Deposit HK$2.29M · loan HK$2.29M · min. income ≈ HK$24,482/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$75,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,527
−HK$786/mo
▼ 0.25% · 3.875%
HK$12,917
−HK$396/mo
Today · 4.125%
HK$13,313
baseline
▲ 0.50% · 4.625%
HK$14,123
+HK$810/mo
Deposit HK$1.83M · loan HK$2.75M · min. income ≈ HK$26,626/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$75,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,936
−HK$753/mo
▼ 0.25% · 3.875%
HK$14,310
−HK$379/mo
Today · 4.125%
HK$14,689
baseline
▲ 0.50% · 4.625%
HK$15,463
+HK$774/mo
Deposit HK$1.83M · loan HK$2.75M · min. income ≈ HK$29,378/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$75,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,615
−HK$916/mo
▼ 0.25% · 3.875%
HK$15,070
−HK$461/mo
Today · 4.125%
HK$15,531
baseline
▲ 0.50% · 4.625%
HK$16,476
+HK$945/mo
Deposit HK$1.37M · loan HK$3.20M · min. income ≈ HK$31,062/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$75,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,259
−HK$878/mo
▼ 0.25% · 3.875%
HK$16,695
−HK$442/mo
Today · 4.125%
HK$17,137
baseline
▲ 0.50% · 4.625%
HK$18,041
+HK$904/mo
Deposit HK$1.37M · loan HK$3.20M · min. income ≈ HK$34,274/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$75,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,791
−HK$1,178/mo
▼ 0.25% · 3.875%
HK$19,375
−HK$594/mo
Today · 4.125%
HK$19,969
baseline
▲ 0.50% · 4.625%
HK$21,184
+HK$1,215/mo
Deposit HK$458K · loan HK$4.12M · min. income ≈ HK$39,938/mo (50% DSR)
Upfront cash ≈ HK$533K (deposit + AVD stamp duty HK$75,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,904
−HK$1,130/mo
▼ 0.25% · 3.875%
HK$21,465
−HK$569/mo
Today · 4.125%
HK$22,034
baseline
▲ 0.50% · 4.625%
HK$23,195
+HK$1,161/mo
Deposit HK$458K · loan HK$4.12M · min. income ≈ HK$44,068/mo (50% DSR)
Upfront cash ≈ HK$533K (deposit + AVD stamp duty HK$75,311 · 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).