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$10,430
−HK$654/mo
▼ 0.25% · 3.875%
HK$10,754
−HK$330/mo
Today · 4.125%
HK$11,084
baseline
▲ 0.50% · 4.625%
HK$11,758
+HK$674/mo
Deposit HK$2.29M · loan HK$2.29M · min. income ≈ HK$22,168/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$74,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,603
−HK$627/mo
▼ 0.25% · 3.875%
HK$11,914
−HK$316/mo
Today · 4.125%
HK$12,230
baseline
▲ 0.50% · 4.625%
HK$12,875
+HK$645/mo
Deposit HK$2.29M · loan HK$2.29M · min. income ≈ HK$24,460/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$74,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,516
−HK$785/mo
▼ 0.25% · 3.875%
HK$12,905
−HK$396/mo
Today · 4.125%
HK$13,301
baseline
▲ 0.50% · 4.625%
HK$14,110
+HK$809/mo
Deposit HK$1.83M · loan HK$2.74M · min. income ≈ HK$26,602/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$74,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,924
−HK$752/mo
▼ 0.25% · 3.875%
HK$14,297
−HK$379/mo
Today · 4.125%
HK$14,676
baseline
▲ 0.50% · 4.625%
HK$15,449
+HK$773/mo
Deposit HK$1.83M · loan HK$2.74M · min. income ≈ HK$29,352/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$74,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,602
−HK$915/mo
▼ 0.25% · 3.875%
HK$15,056
−HK$461/mo
Today · 4.125%
HK$15,517
baseline
▲ 0.50% · 4.625%
HK$16,462
+HK$945/mo
Deposit HK$1.37M · loan HK$3.20M · min. income ≈ HK$31,034/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$74,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,244
−HK$878/mo
▼ 0.25% · 3.875%
HK$16,680
−HK$442/mo
Today · 4.125%
HK$17,122
baseline
▲ 0.50% · 4.625%
HK$18,024
+HK$902/mo
Deposit HK$1.37M · loan HK$3.20M · min. income ≈ HK$34,244/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$74,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,774
−HK$1,177/mo
▼ 0.25% · 3.875%
HK$19,358
−HK$593/mo
Today · 4.125%
HK$19,951
baseline
▲ 0.50% · 4.625%
HK$21,165
+HK$1,214/mo
Deposit HK$457K · loan HK$4.12M · min. income ≈ HK$39,902/mo (50% DSR)
Upfront cash ≈ HK$532K (deposit + AVD stamp duty HK$74,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,885
−HK$1,129/mo
▼ 0.25% · 3.875%
HK$21,446
−HK$568/mo
Today · 4.125%
HK$22,014
baseline
▲ 0.50% · 4.625%
HK$23,174
+HK$1,160/mo
Deposit HK$457K · loan HK$4.12M · min. income ≈ HK$44,028/mo (50% DSR)
Upfront cash ≈ HK$532K (deposit + AVD stamp duty HK$74,896 · 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).