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$10,182
−HK$639/mo
▼ 0.25% · 3.875%
HK$10,499
−HK$322/mo
Today · 4.125%
HK$10,821
baseline
▲ 0.50% · 4.625%
HK$11,479
+HK$658/mo
Deposit HK$2.23M · loan HK$2.23M · min. income ≈ HK$21,642/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$66,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,328
−HK$612/mo
▼ 0.25% · 3.875%
HK$11,631
−HK$309/mo
Today · 4.125%
HK$11,940
baseline
▲ 0.50% · 4.625%
HK$12,569
+HK$629/mo
Deposit HK$2.23M · loan HK$2.23M · min. income ≈ HK$23,880/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$66,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,219
−HK$766/mo
▼ 0.25% · 3.875%
HK$12,599
−HK$386/mo
Today · 4.125%
HK$12,985
baseline
▲ 0.50% · 4.625%
HK$13,775
+HK$790/mo
Deposit HK$1.79M · loan HK$2.68M · min. income ≈ HK$25,970/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$66,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,593
−HK$735/mo
▼ 0.25% · 3.875%
HK$13,958
−HK$370/mo
Today · 4.125%
HK$14,328
baseline
▲ 0.50% · 4.625%
HK$15,083
+HK$755/mo
Deposit HK$1.79M · loan HK$2.68M · min. income ≈ HK$28,656/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$66,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,255
−HK$894/mo
▼ 0.25% · 3.875%
HK$14,698
−HK$451/mo
Today · 4.125%
HK$15,149
baseline
▲ 0.50% · 4.625%
HK$16,071
+HK$922/mo
Deposit HK$1.34M · loan HK$3.13M · min. income ≈ HK$30,298/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$66,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,859
−HK$856/mo
▼ 0.25% · 3.875%
HK$16,284
−HK$431/mo
Today · 4.125%
HK$16,715
baseline
▲ 0.50% · 4.625%
HK$17,597
+HK$882/mo
Deposit HK$1.34M · loan HK$3.13M · min. income ≈ HK$33,430/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$66,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,328
−HK$1,149/mo
▼ 0.25% · 3.875%
HK$18,898
−HK$579/mo
Today · 4.125%
HK$19,477
baseline
▲ 0.50% · 4.625%
HK$20,662
+HK$1,185/mo
Deposit HK$447K · loan HK$4.02M · min. income ≈ HK$38,954/mo (50% DSR)
Upfront cash ≈ HK$514K (deposit + AVD stamp duty HK$66,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,390
−HK$1,101/mo
▼ 0.25% · 3.875%
HK$20,937
−HK$554/mo
Today · 4.125%
HK$21,491
baseline
▲ 0.50% · 4.625%
HK$22,624
+HK$1,133/mo
Deposit HK$447K · loan HK$4.02M · min. income ≈ HK$42,982/mo (50% DSR)
Upfront cash ≈ HK$514K (deposit + AVD stamp duty HK$66,981 · 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).