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$10,423
−HK$653/mo
▼ 0.25% · 3.875%
HK$10,747
−HK$329/mo
Today · 4.125%
HK$11,076
baseline
▲ 0.50% · 4.625%
HK$11,750
+HK$674/mo
Deposit HK$2.29M · loan HK$2.29M · min. income ≈ HK$22,152/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$74,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,595
−HK$627/mo
▼ 0.25% · 3.875%
HK$11,906
−HK$316/mo
Today · 4.125%
HK$12,222
baseline
▲ 0.50% · 4.625%
HK$12,866
+HK$644/mo
Deposit HK$2.29M · loan HK$2.29M · min. income ≈ HK$24,444/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$74,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,507
−HK$785/mo
▼ 0.25% · 3.875%
HK$12,896
−HK$396/mo
Today · 4.125%
HK$13,292
baseline
▲ 0.50% · 4.625%
HK$14,101
+HK$809/mo
Deposit HK$1.83M · loan HK$2.74M · min. income ≈ HK$26,584/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$74,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,914
−HK$752/mo
▼ 0.25% · 3.875%
HK$14,288
−HK$378/mo
Today · 4.125%
HK$14,666
baseline
▲ 0.50% · 4.625%
HK$15,439
+HK$773/mo
Deposit HK$1.83M · loan HK$2.74M · min. income ≈ HK$29,332/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$74,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,592
−HK$915/mo
▼ 0.25% · 3.875%
HK$15,046
−HK$461/mo
Today · 4.125%
HK$15,507
baseline
▲ 0.50% · 4.625%
HK$16,451
+HK$944/mo
Deposit HK$1.37M · loan HK$3.20M · min. income ≈ HK$31,014/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$74,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,233
−HK$878/mo
▼ 0.25% · 3.875%
HK$16,669
−HK$442/mo
Today · 4.125%
HK$17,111
baseline
▲ 0.50% · 4.625%
HK$18,012
+HK$901/mo
Deposit HK$1.37M · loan HK$3.20M · min. income ≈ HK$34,222/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$74,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,761
−HK$1,177/mo
▼ 0.25% · 3.875%
HK$19,345
−HK$593/mo
Today · 4.125%
HK$19,938
baseline
▲ 0.50% · 4.625%
HK$21,151
+HK$1,213/mo
Deposit HK$457K · loan HK$4.11M · min. income ≈ HK$39,876/mo (50% DSR)
Upfront cash ≈ HK$532K (deposit + AVD stamp duty HK$74,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,872
−HK$1,127/mo
▼ 0.25% · 3.875%
HK$21,431
−HK$568/mo
Today · 4.125%
HK$21,999
baseline
▲ 0.50% · 4.625%
HK$23,159
+HK$1,160/mo
Deposit HK$457K · loan HK$4.11M · min. income ≈ HK$43,998/mo (50% DSR)
Upfront cash ≈ HK$532K (deposit + AVD stamp duty HK$74,592 · 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).