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$10,163
−HK$637/mo
▼ 0.25% · 3.875%
HK$10,479
−HK$321/mo
Today · 4.125%
HK$10,800
baseline
▲ 0.50% · 4.625%
HK$11,457
+HK$657/mo
Deposit HK$2.23M · loan HK$2.23M · min. income ≈ HK$21,600/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$66,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,306
−HK$611/mo
▼ 0.25% · 3.875%
HK$11,609
−HK$308/mo
Today · 4.125%
HK$11,917
baseline
▲ 0.50% · 4.625%
HK$12,545
+HK$628/mo
Deposit HK$2.23M · loan HK$2.23M · min. income ≈ HK$23,834/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$66,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,195
−HK$765/mo
▼ 0.25% · 3.875%
HK$12,575
−HK$385/mo
Today · 4.125%
HK$12,960
baseline
▲ 0.50% · 4.625%
HK$13,749
+HK$789/mo
Deposit HK$1.78M · loan HK$2.67M · min. income ≈ HK$25,920/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$66,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,567
−HK$733/mo
▼ 0.25% · 3.875%
HK$13,931
−HK$369/mo
Today · 4.125%
HK$14,300
baseline
▲ 0.50% · 4.625%
HK$15,054
+HK$754/mo
Deposit HK$1.78M · loan HK$2.67M · min. income ≈ HK$28,600/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$66,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,228
−HK$892/mo
▼ 0.25% · 3.875%
HK$14,671
−HK$449/mo
Today · 4.125%
HK$15,120
baseline
▲ 0.50% · 4.625%
HK$16,040
+HK$920/mo
Deposit HK$1.34M · loan HK$3.12M · min. income ≈ HK$30,240/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$66,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,828
−HK$856/mo
▼ 0.25% · 3.875%
HK$16,253
−HK$431/mo
Today · 4.125%
HK$16,684
baseline
▲ 0.50% · 4.625%
HK$17,563
+HK$879/mo
Deposit HK$1.34M · loan HK$3.12M · min. income ≈ HK$33,368/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$66,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,293
−HK$1,147/mo
▼ 0.25% · 3.875%
HK$18,862
−HK$578/mo
Today · 4.125%
HK$19,440
baseline
▲ 0.50% · 4.625%
HK$20,623
+HK$1,183/mo
Deposit HK$446K · loan HK$4.01M · min. income ≈ HK$38,880/mo (50% DSR)
Upfront cash ≈ HK$513K (deposit + AVD stamp duty HK$66,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,351
−HK$1,099/mo
▼ 0.25% · 3.875%
HK$20,897
−HK$553/mo
Today · 4.125%
HK$21,450
baseline
▲ 0.50% · 4.625%
HK$22,581
+HK$1,131/mo
Deposit HK$446K · loan HK$4.01M · min. income ≈ HK$42,900/mo (50% DSR)
Upfront cash ≈ HK$513K (deposit + AVD stamp duty HK$66,854 · 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).