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$10,427
−HK$654/mo
▼ 0.25% · 3.875%
HK$10,751
−HK$330/mo
Today · 4.125%
HK$11,081
baseline
▲ 0.50% · 4.625%
HK$11,755
+HK$674/mo
Deposit HK$2.29M · loan HK$2.29M · min. income ≈ HK$22,162/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$74,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,600
−HK$626/mo
▼ 0.25% · 3.875%
HK$11,911
−HK$315/mo
Today · 4.125%
HK$12,226
baseline
▲ 0.50% · 4.625%
HK$12,871
+HK$645/mo
Deposit HK$2.29M · loan HK$2.29M · min. income ≈ HK$24,452/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$74,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,512
−HK$785/mo
▼ 0.25% · 3.875%
HK$12,901
−HK$396/mo
Today · 4.125%
HK$13,297
baseline
▲ 0.50% · 4.625%
HK$14,106
+HK$809/mo
Deposit HK$1.83M · loan HK$2.74M · min. income ≈ HK$26,594/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$74,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,920
−HK$752/mo
▼ 0.25% · 3.875%
HK$14,293
−HK$379/mo
Today · 4.125%
HK$14,672
baseline
▲ 0.50% · 4.625%
HK$15,445
+HK$773/mo
Deposit HK$1.83M · loan HK$2.74M · min. income ≈ HK$29,344/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$74,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,597
−HK$916/mo
▼ 0.25% · 3.875%
HK$15,051
−HK$462/mo
Today · 4.125%
HK$15,513
baseline
▲ 0.50% · 4.625%
HK$16,457
+HK$944/mo
Deposit HK$1.37M · loan HK$3.20M · min. income ≈ HK$31,026/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$74,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,239
−HK$878/mo
▼ 0.25% · 3.875%
HK$16,675
−HK$442/mo
Today · 4.125%
HK$17,117
baseline
▲ 0.50% · 4.625%
HK$18,019
+HK$902/mo
Deposit HK$1.37M · loan HK$3.20M · min. income ≈ HK$34,234/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$74,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,768
−HK$1,177/mo
▼ 0.25% · 3.875%
HK$19,352
−HK$593/mo
Today · 4.125%
HK$19,945
baseline
▲ 0.50% · 4.625%
HK$21,159
+HK$1,214/mo
Deposit HK$457K · loan HK$4.12M · min. income ≈ HK$39,890/mo (50% DSR)
Upfront cash ≈ HK$532K (deposit + AVD stamp duty HK$74,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,879
−HK$1,128/mo
▼ 0.25% · 3.875%
HK$21,439
−HK$568/mo
Today · 4.125%
HK$22,007
baseline
▲ 0.50% · 4.625%
HK$23,167
+HK$1,160/mo
Deposit HK$457K · loan HK$4.12M · min. income ≈ HK$44,014/mo (50% DSR)
Upfront cash ≈ HK$532K (deposit + AVD stamp duty HK$74,761 · 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).