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$10,009
−HK$628/mo
▼ 0.25% · 3.875%
HK$10,321
−HK$316/mo
Today · 4.125%
HK$10,637
baseline
▲ 0.50% · 4.625%
HK$11,284
+HK$647/mo
Deposit HK$2.19M · loan HK$2.19M · min. income ≈ HK$21,274/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$65,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,135
−HK$602/mo
▼ 0.25% · 3.875%
HK$11,434
−HK$303/mo
Today · 4.125%
HK$11,737
baseline
▲ 0.50% · 4.625%
HK$12,356
+HK$619/mo
Deposit HK$2.19M · loan HK$2.19M · min. income ≈ HK$23,474/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$65,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,011
−HK$753/mo
▼ 0.25% · 3.875%
HK$12,385
−HK$379/mo
Today · 4.125%
HK$12,764
baseline
▲ 0.50% · 4.625%
HK$13,541
+HK$777/mo
Deposit HK$1.76M · loan HK$2.63M · min. income ≈ HK$25,528/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$65,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,362
−HK$722/mo
▼ 0.25% · 3.875%
HK$13,721
−HK$363/mo
Today · 4.125%
HK$14,084
baseline
▲ 0.50% · 4.625%
HK$14,827
+HK$743/mo
Deposit HK$1.76M · loan HK$2.63M · min. income ≈ HK$28,168/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$65,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,013
−HK$879/mo
▼ 0.25% · 3.875%
HK$14,449
−HK$443/mo
Today · 4.125%
HK$14,892
baseline
▲ 0.50% · 4.625%
HK$15,798
+HK$906/mo
Deposit HK$1.32M · loan HK$3.07M · min. income ≈ HK$29,784/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$65,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,589
−HK$843/mo
▼ 0.25% · 3.875%
HK$16,008
−HK$424/mo
Today · 4.125%
HK$16,432
baseline
▲ 0.50% · 4.625%
HK$17,298
+HK$866/mo
Deposit HK$1.32M · loan HK$3.07M · min. income ≈ HK$32,864/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$65,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,017
−HK$1,130/mo
▼ 0.25% · 3.875%
HK$18,577
−HK$570/mo
Today · 4.125%
HK$19,147
baseline
▲ 0.50% · 4.625%
HK$20,312
+HK$1,165/mo
Deposit HK$439K · loan HK$3.95M · min. income ≈ HK$38,294/mo (50% DSR)
Upfront cash ≈ HK$505K (deposit + AVD stamp duty HK$65,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,044
−HK$1,082/mo
▼ 0.25% · 3.875%
HK$20,581
−HK$545/mo
Today · 4.125%
HK$21,126
baseline
▲ 0.50% · 4.625%
HK$22,240
+HK$1,114/mo
Deposit HK$439K · loan HK$3.95M · min. income ≈ HK$42,252/mo (50% DSR)
Upfront cash ≈ HK$505K (deposit + AVD stamp duty HK$65,844 · 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).