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$10,346
−HK$648/mo
▼ 0.25% · 3.875%
HK$10,668
−HK$326/mo
Today · 4.125%
HK$10,994
baseline
▲ 0.50% · 4.625%
HK$11,663
+HK$669/mo
Deposit HK$2.27M · loan HK$2.27M · min. income ≈ HK$21,988/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$71,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,510
−HK$621/mo
▼ 0.25% · 3.875%
HK$11,818
−HK$313/mo
Today · 4.125%
HK$12,131
baseline
▲ 0.50% · 4.625%
HK$12,771
+HK$640/mo
Deposit HK$2.27M · loan HK$2.27M · min. income ≈ HK$24,262/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$71,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,415
−HK$778/mo
▼ 0.25% · 3.875%
HK$12,801
−HK$392/mo
Today · 4.125%
HK$13,193
baseline
▲ 0.50% · 4.625%
HK$13,996
+HK$803/mo
Deposit HK$1.81M · loan HK$2.72M · min. income ≈ HK$26,386/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$71,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,811
−HK$747/mo
▼ 0.25% · 3.875%
HK$14,182
−HK$376/mo
Today · 4.125%
HK$14,558
baseline
▲ 0.50% · 4.625%
HK$15,325
+HK$767/mo
Deposit HK$1.81M · loan HK$2.72M · min. income ≈ HK$29,116/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$71,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,484
−HK$908/mo
▼ 0.25% · 3.875%
HK$14,935
−HK$457/mo
Today · 4.125%
HK$15,392
baseline
▲ 0.50% · 4.625%
HK$16,329
+HK$937/mo
Deposit HK$1.36M · loan HK$3.18M · min. income ≈ HK$30,784/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$71,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,113
−HK$871/mo
▼ 0.25% · 3.875%
HK$16,545
−HK$439/mo
Today · 4.125%
HK$16,984
baseline
▲ 0.50% · 4.625%
HK$17,879
+HK$895/mo
Deposit HK$1.36M · loan HK$3.18M · min. income ≈ HK$33,968/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$71,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,622
−HK$1,168/mo
▼ 0.25% · 3.875%
HK$19,202
−HK$588/mo
Today · 4.125%
HK$19,790
baseline
▲ 0.50% · 4.625%
HK$20,994
+HK$1,204/mo
Deposit HK$454K · loan HK$4.08M · min. income ≈ HK$39,580/mo (50% DSR)
Upfront cash ≈ HK$525K (deposit + AVD stamp duty HK$71,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,717
−HK$1,119/mo
▼ 0.25% · 3.875%
HK$21,273
−HK$563/mo
Today · 4.125%
HK$21,836
baseline
▲ 0.50% · 4.625%
HK$22,987
+HK$1,151/mo
Deposit HK$454K · loan HK$4.08M · min. income ≈ HK$43,672/mo (50% DSR)
Upfront cash ≈ HK$525K (deposit + AVD stamp duty HK$71,209 · 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).