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$10,367
−HK$650/mo
▼ 0.25% · 3.875%
HK$10,689
−HK$328/mo
Today · 4.125%
HK$11,017
baseline
▲ 0.50% · 4.625%
HK$11,687
+HK$670/mo
Deposit HK$2.27M · loan HK$2.27M · min. income ≈ HK$22,034/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$72,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,533
−HK$623/mo
▼ 0.25% · 3.875%
HK$11,842
−HK$314/mo
Today · 4.125%
HK$12,156
baseline
▲ 0.50% · 4.625%
HK$12,797
+HK$641/mo
Deposit HK$2.27M · loan HK$2.27M · min. income ≈ HK$24,312/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$72,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,440
−HK$780/mo
▼ 0.25% · 3.875%
HK$12,827
−HK$393/mo
Today · 4.125%
HK$13,220
baseline
▲ 0.50% · 4.625%
HK$14,024
+HK$804/mo
Deposit HK$1.82M · loan HK$2.73M · min. income ≈ HK$26,440/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$72,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,839
−HK$748/mo
▼ 0.25% · 3.875%
HK$14,211
−HK$376/mo
Today · 4.125%
HK$14,587
baseline
▲ 0.50% · 4.625%
HK$15,356
+HK$769/mo
Deposit HK$1.82M · loan HK$2.73M · min. income ≈ HK$29,174/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$72,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,513
−HK$910/mo
▼ 0.25% · 3.875%
HK$14,965
−HK$458/mo
Today · 4.125%
HK$15,423
baseline
▲ 0.50% · 4.625%
HK$16,362
+HK$939/mo
Deposit HK$1.36M · loan HK$3.18M · min. income ≈ HK$30,846/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$72,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,146
−HK$872/mo
▼ 0.25% · 3.875%
HK$16,579
−HK$439/mo
Today · 4.125%
HK$17,018
baseline
▲ 0.50% · 4.625%
HK$17,915
+HK$897/mo
Deposit HK$1.36M · loan HK$3.18M · min. income ≈ HK$34,036/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$72,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,660
−HK$1,170/mo
▼ 0.25% · 3.875%
HK$19,240
−HK$590/mo
Today · 4.125%
HK$19,830
baseline
▲ 0.50% · 4.625%
HK$21,037
+HK$1,207/mo
Deposit HK$455K · loan HK$4.09M · min. income ≈ HK$39,660/mo (50% DSR)
Upfront cash ≈ HK$527K (deposit + AVD stamp duty HK$72,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,759
−HK$1,122/mo
▼ 0.25% · 3.875%
HK$21,316
−HK$565/mo
Today · 4.125%
HK$21,881
baseline
▲ 0.50% · 4.625%
HK$23,034
+HK$1,153/mo
Deposit HK$455K · loan HK$4.09M · min. income ≈ HK$43,762/mo (50% DSR)
Upfront cash ≈ HK$527K (deposit + AVD stamp duty HK$72,127 · 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).