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$10,327
−HK$647/mo
▼ 0.25% · 3.875%
HK$10,648
−HK$326/mo
Today · 4.125%
HK$10,974
baseline
▲ 0.50% · 4.625%
HK$11,642
+HK$668/mo
Deposit HK$2.26M · loan HK$2.26M · min. income ≈ HK$21,948/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$70,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,488
−HK$621/mo
▼ 0.25% · 3.875%
HK$11,796
−HK$313/mo
Today · 4.125%
HK$12,109
baseline
▲ 0.50% · 4.625%
HK$12,747
+HK$638/mo
Deposit HK$2.26M · loan HK$2.26M · min. income ≈ HK$24,218/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$70,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,392
−HK$777/mo
▼ 0.25% · 3.875%
HK$12,777
−HK$392/mo
Today · 4.125%
HK$13,169
baseline
▲ 0.50% · 4.625%
HK$13,970
+HK$801/mo
Deposit HK$1.81M · loan HK$2.72M · min. income ≈ HK$26,338/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$70,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,786
−HK$745/mo
▼ 0.25% · 3.875%
HK$14,156
−HK$375/mo
Today · 4.125%
HK$14,531
baseline
▲ 0.50% · 4.625%
HK$15,297
+HK$766/mo
Deposit HK$1.81M · loan HK$2.72M · min. income ≈ HK$29,062/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$70,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,457
−HK$907/mo
▼ 0.25% · 3.875%
HK$14,907
−HK$457/mo
Today · 4.125%
HK$15,364
baseline
▲ 0.50% · 4.625%
HK$16,299
+HK$935/mo
Deposit HK$1.36M · loan HK$3.17M · min. income ≈ HK$30,728/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$70,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,084
−HK$869/mo
▼ 0.25% · 3.875%
HK$16,515
−HK$438/mo
Today · 4.125%
HK$16,953
baseline
▲ 0.50% · 4.625%
HK$17,846
+HK$893/mo
Deposit HK$1.36M · loan HK$3.17M · min. income ≈ HK$33,906/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$70,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,588
−HK$1,166/mo
▼ 0.25% · 3.875%
HK$19,166
−HK$588/mo
Today · 4.125%
HK$19,754
baseline
▲ 0.50% · 4.625%
HK$20,956
+HK$1,202/mo
Deposit HK$453K · loan HK$4.08M · min. income ≈ HK$39,508/mo (50% DSR)
Upfront cash ≈ HK$523K (deposit + AVD stamp duty HK$70,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,679
−HK$1,117/mo
▼ 0.25% · 3.875%
HK$21,233
−HK$563/mo
Today · 4.125%
HK$21,796
baseline
▲ 0.50% · 4.625%
HK$22,945
+HK$1,149/mo
Deposit HK$453K · loan HK$4.08M · min. income ≈ HK$43,592/mo (50% DSR)
Upfront cash ≈ HK$523K (deposit + AVD stamp duty HK$70,372 · 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).