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$10,347
−HK$648/mo
▼ 0.25% · 3.875%
HK$10,668
−HK$327/mo
Today · 4.125%
HK$10,995
baseline
▲ 0.50% · 4.625%
HK$11,664
+HK$669/mo
Deposit HK$2.27M · loan HK$2.27M · min. income ≈ HK$21,990/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$71,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,510
−HK$622/mo
▼ 0.25% · 3.875%
HK$11,819
−HK$313/mo
Today · 4.125%
HK$12,132
baseline
▲ 0.50% · 4.625%
HK$12,772
+HK$640/mo
Deposit HK$2.27M · loan HK$2.27M · min. income ≈ HK$24,264/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$71,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,416
−HK$778/mo
▼ 0.25% · 3.875%
HK$12,802
−HK$392/mo
Today · 4.125%
HK$13,194
baseline
▲ 0.50% · 4.625%
HK$13,997
+HK$803/mo
Deposit HK$1.81M · loan HK$2.72M · min. income ≈ HK$26,388/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$71,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,813
−HK$746/mo
▼ 0.25% · 3.875%
HK$14,183
−HK$376/mo
Today · 4.125%
HK$14,559
baseline
▲ 0.50% · 4.625%
HK$15,326
+HK$767/mo
Deposit HK$1.81M · loan HK$2.72M · min. income ≈ HK$29,118/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$71,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,485
−HK$909/mo
▼ 0.25% · 3.875%
HK$14,936
−HK$458/mo
Today · 4.125%
HK$15,394
baseline
▲ 0.50% · 4.625%
HK$16,330
+HK$936/mo
Deposit HK$1.36M · loan HK$3.18M · min. income ≈ HK$30,788/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$71,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,115
−HK$870/mo
▼ 0.25% · 3.875%
HK$16,547
−HK$438/mo
Today · 4.125%
HK$16,985
baseline
▲ 0.50% · 4.625%
HK$17,881
+HK$896/mo
Deposit HK$1.36M · loan HK$3.18M · min. income ≈ HK$33,970/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$71,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,624
−HK$1,168/mo
▼ 0.25% · 3.875%
HK$19,203
−HK$589/mo
Today · 4.125%
HK$19,792
baseline
▲ 0.50% · 4.625%
HK$20,996
+HK$1,204/mo
Deposit HK$454K · loan HK$4.08M · min. income ≈ HK$39,584/mo (50% DSR)
Upfront cash ≈ HK$525K (deposit + AVD stamp duty HK$71,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,719
−HK$1,119/mo
▼ 0.25% · 3.875%
HK$21,274
−HK$564/mo
Today · 4.125%
HK$21,838
baseline
▲ 0.50% · 4.625%
HK$22,989
+HK$1,151/mo
Deposit HK$454K · loan HK$4.08M · min. income ≈ HK$43,676/mo (50% DSR)
Upfront cash ≈ HK$525K (deposit + AVD stamp duty HK$71,246 · 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).