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$10,188
−HK$639/mo
▼ 0.25% · 3.875%
HK$10,505
−HK$322/mo
Today · 4.125%
HK$10,827
baseline
▲ 0.50% · 4.625%
HK$11,486
+HK$659/mo
Deposit HK$2.23M · loan HK$2.23M · min. income ≈ HK$21,654/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$67,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,334
−HK$613/mo
▼ 0.25% · 3.875%
HK$11,638
−HK$309/mo
Today · 4.125%
HK$11,947
baseline
▲ 0.50% · 4.625%
HK$12,576
+HK$629/mo
Deposit HK$2.23M · loan HK$2.23M · min. income ≈ HK$23,894/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$67,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,226
−HK$767/mo
▼ 0.25% · 3.875%
HK$12,606
−HK$387/mo
Today · 4.125%
HK$12,993
baseline
▲ 0.50% · 4.625%
HK$13,783
+HK$790/mo
Deposit HK$1.79M · loan HK$2.68M · min. income ≈ HK$25,986/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$67,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,601
−HK$735/mo
▼ 0.25% · 3.875%
HK$13,966
−HK$370/mo
Today · 4.125%
HK$14,336
baseline
▲ 0.50% · 4.625%
HK$15,092
+HK$756/mo
Deposit HK$1.79M · loan HK$2.68M · min. income ≈ HK$28,672/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$67,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,264
−HK$894/mo
▼ 0.25% · 3.875%
HK$14,707
−HK$451/mo
Today · 4.125%
HK$15,158
baseline
▲ 0.50% · 4.625%
HK$16,080
+HK$922/mo
Deposit HK$1.34M · loan HK$3.13M · min. income ≈ HK$30,316/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$67,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,868
−HK$857/mo
▼ 0.25% · 3.875%
HK$16,294
−HK$431/mo
Today · 4.125%
HK$16,725
baseline
▲ 0.50% · 4.625%
HK$17,607
+HK$882/mo
Deposit HK$1.34M · loan HK$3.13M · min. income ≈ HK$33,450/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$67,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,339
−HK$1,150/mo
▼ 0.25% · 3.875%
HK$18,909
−HK$580/mo
Today · 4.125%
HK$19,489
baseline
▲ 0.50% · 4.625%
HK$20,675
+HK$1,186/mo
Deposit HK$447K · loan HK$4.02M · min. income ≈ HK$38,978/mo (50% DSR)
Upfront cash ≈ HK$514K (deposit + AVD stamp duty HK$67,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,402
−HK$1,102/mo
▼ 0.25% · 3.875%
HK$20,949
−HK$555/mo
Today · 4.125%
HK$21,504
baseline
▲ 0.50% · 4.625%
HK$22,637
+HK$1,133/mo
Deposit HK$447K · loan HK$4.02M · min. income ≈ HK$43,008/mo (50% DSR)
Upfront cash ≈ HK$514K (deposit + AVD stamp duty HK$67,021 · 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).