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$10,466
−HK$656/mo
▼ 0.25% · 3.875%
HK$10,791
−HK$331/mo
Today · 4.125%
HK$11,122
baseline
▲ 0.50% · 4.625%
HK$11,799
+HK$677/mo
Deposit HK$2.29M · loan HK$2.29M · min. income ≈ HK$22,244/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$76,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,643
−HK$629/mo
▼ 0.25% · 3.875%
HK$11,955
−HK$317/mo
Today · 4.125%
HK$12,272
baseline
▲ 0.50% · 4.625%
HK$12,919
+HK$647/mo
Deposit HK$2.29M · loan HK$2.29M · min. income ≈ HK$24,544/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$76,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,559
−HK$787/mo
▼ 0.25% · 3.875%
HK$12,949
−HK$397/mo
Today · 4.125%
HK$13,346
baseline
▲ 0.50% · 4.625%
HK$14,158
+HK$812/mo
Deposit HK$1.84M · loan HK$2.75M · min. income ≈ HK$26,692/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$76,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,971
−HK$755/mo
▼ 0.25% · 3.875%
HK$14,346
−HK$380/mo
Today · 4.125%
HK$14,726
baseline
▲ 0.50% · 4.625%
HK$15,502
+HK$776/mo
Deposit HK$1.84M · loan HK$2.75M · min. income ≈ HK$29,452/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$76,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,652
−HK$919/mo
▼ 0.25% · 3.875%
HK$15,108
−HK$463/mo
Today · 4.125%
HK$15,571
baseline
▲ 0.50% · 4.625%
HK$16,518
+HK$947/mo
Deposit HK$1.38M · loan HK$3.21M · min. income ≈ HK$31,142/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$76,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,300
−HK$881/mo
▼ 0.25% · 3.875%
HK$16,737
−HK$444/mo
Today · 4.125%
HK$17,181
baseline
▲ 0.50% · 4.625%
HK$18,086
+HK$905/mo
Deposit HK$1.38M · loan HK$3.21M · min. income ≈ HK$34,362/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$76,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,838
−HK$1,181/mo
▼ 0.25% · 3.875%
HK$19,424
−HK$595/mo
Today · 4.125%
HK$20,019
baseline
▲ 0.50% · 4.625%
HK$21,237
+HK$1,218/mo
Deposit HK$459K · loan HK$4.13M · min. income ≈ HK$40,038/mo (50% DSR)
Upfront cash ≈ HK$535K (deposit + AVD stamp duty HK$76,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,957
−HK$1,132/mo
▼ 0.25% · 3.875%
HK$21,519
−HK$570/mo
Today · 4.125%
HK$22,089
baseline
▲ 0.50% · 4.625%
HK$23,254
+HK$1,165/mo
Deposit HK$459K · loan HK$4.13M · min. income ≈ HK$44,178/mo (50% DSR)
Upfront cash ≈ HK$535K (deposit + AVD stamp duty HK$76,465 · 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).