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$10,517
−HK$660/mo
▼ 0.25% · 3.875%
HK$10,844
−HK$333/mo
Today · 4.125%
HK$11,177
baseline
▲ 0.50% · 4.625%
HK$11,857
+HK$680/mo
Deposit HK$2.31M · loan HK$2.31M · min. income ≈ HK$22,354/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$78,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,700
−HK$632/mo
▼ 0.25% · 3.875%
HK$12,014
−HK$318/mo
Today · 4.125%
HK$12,332
baseline
▲ 0.50% · 4.625%
HK$12,983
+HK$651/mo
Deposit HK$2.31M · loan HK$2.31M · min. income ≈ HK$24,664/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$78,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,621
−HK$791/mo
▼ 0.25% · 3.875%
HK$13,013
−HK$399/mo
Today · 4.125%
HK$13,412
baseline
▲ 0.50% · 4.625%
HK$14,228
+HK$816/mo
Deposit HK$1.84M · loan HK$2.77M · min. income ≈ HK$26,824/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$78,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,040
−HK$759/mo
▼ 0.25% · 3.875%
HK$14,417
−HK$382/mo
Today · 4.125%
HK$14,799
baseline
▲ 0.50% · 4.625%
HK$15,579
+HK$780/mo
Deposit HK$1.84M · loan HK$2.77M · min. income ≈ HK$29,598/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$78,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,724
−HK$923/mo
▼ 0.25% · 3.875%
HK$15,182
−HK$465/mo
Today · 4.125%
HK$15,647
baseline
▲ 0.50% · 4.625%
HK$16,600
+HK$953/mo
Deposit HK$1.38M · loan HK$3.23M · min. income ≈ HK$31,294/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$78,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,380
−HK$885/mo
▼ 0.25% · 3.875%
HK$16,820
−HK$445/mo
Today · 4.125%
HK$17,265
baseline
▲ 0.50% · 4.625%
HK$18,176
+HK$911/mo
Deposit HK$1.38M · loan HK$3.23M · min. income ≈ HK$34,530/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$78,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,931
−HK$1,187/mo
▼ 0.25% · 3.875%
HK$19,520
−HK$598/mo
Today · 4.125%
HK$20,118
baseline
▲ 0.50% · 4.625%
HK$21,342
+HK$1,224/mo
Deposit HK$461K · loan HK$4.15M · min. income ≈ HK$40,236/mo (50% DSR)
Upfront cash ≈ HK$540K (deposit + AVD stamp duty HK$78,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,061
−HK$1,137/mo
▼ 0.25% · 3.875%
HK$21,625
−HK$573/mo
Today · 4.125%
HK$22,198
baseline
▲ 0.50% · 4.625%
HK$23,369
+HK$1,171/mo
Deposit HK$461K · loan HK$4.15M · min. income ≈ HK$44,396/mo (50% DSR)
Upfront cash ≈ HK$540K (deposit + AVD stamp duty HK$78,731 · 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).