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$10,382
−HK$651/mo
▼ 0.25% · 3.875%
HK$10,705
−HK$328/mo
Today · 4.125%
HK$11,033
baseline
▲ 0.50% · 4.625%
HK$11,705
+HK$672/mo
Deposit HK$2.28M · loan HK$2.28M · min. income ≈ HK$22,066/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$72,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,550
−HK$624/mo
▼ 0.25% · 3.875%
HK$11,860
−HK$314/mo
Today · 4.125%
HK$12,174
baseline
▲ 0.50% · 4.625%
HK$12,816
+HK$642/mo
Deposit HK$2.28M · loan HK$2.28M · min. income ≈ HK$24,348/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$72,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,459
−HK$781/mo
▼ 0.25% · 3.875%
HK$12,846
−HK$394/mo
Today · 4.125%
HK$13,240
baseline
▲ 0.50% · 4.625%
HK$14,046
+HK$806/mo
Deposit HK$1.82M · loan HK$2.73M · min. income ≈ HK$26,480/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$72,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,860
−HK$749/mo
▼ 0.25% · 3.875%
HK$14,232
−HK$377/mo
Today · 4.125%
HK$14,609
baseline
▲ 0.50% · 4.625%
HK$15,379
+HK$770/mo
Deposit HK$1.82M · loan HK$2.73M · min. income ≈ HK$29,218/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$72,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,535
−HK$912/mo
▼ 0.25% · 3.875%
HK$14,987
−HK$460/mo
Today · 4.125%
HK$15,447
baseline
▲ 0.50% · 4.625%
HK$16,387
+HK$940/mo
Deposit HK$1.37M · loan HK$3.19M · min. income ≈ HK$30,894/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$72,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,170
−HK$874/mo
▼ 0.25% · 3.875%
HK$16,604
−HK$440/mo
Today · 4.125%
HK$17,044
baseline
▲ 0.50% · 4.625%
HK$17,942
+HK$898/mo
Deposit HK$1.37M · loan HK$3.19M · min. income ≈ HK$34,088/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$72,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,688
−HK$1,172/mo
▼ 0.25% · 3.875%
HK$19,270
−HK$590/mo
Today · 4.125%
HK$19,860
baseline
▲ 0.50% · 4.625%
HK$21,069
+HK$1,209/mo
Deposit HK$455K · loan HK$4.10M · min. income ≈ HK$39,720/mo (50% DSR)
Upfront cash ≈ HK$528K (deposit + AVD stamp duty HK$72,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,790
−HK$1,124/mo
▼ 0.25% · 3.875%
HK$21,348
−HK$566/mo
Today · 4.125%
HK$21,914
baseline
▲ 0.50% · 4.625%
HK$23,069
+HK$1,155/mo
Deposit HK$455K · loan HK$4.10M · min. income ≈ HK$43,828/mo (50% DSR)
Upfront cash ≈ HK$528K (deposit + AVD stamp duty HK$72,815 · 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).