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$10,167
−HK$638/mo
▼ 0.25% · 3.875%
HK$10,483
−HK$322/mo
Today · 4.125%
HK$10,805
baseline
▲ 0.50% · 4.625%
HK$11,462
+HK$657/mo
Deposit HK$2.23M · loan HK$2.23M · min. income ≈ HK$21,610/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$66,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,311
−HK$611/mo
▼ 0.25% · 3.875%
HK$11,614
−HK$308/mo
Today · 4.125%
HK$11,922
baseline
▲ 0.50% · 4.625%
HK$12,550
+HK$628/mo
Deposit HK$2.23M · loan HK$2.23M · min. income ≈ HK$23,844/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$66,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,201
−HK$765/mo
▼ 0.25% · 3.875%
HK$12,580
−HK$386/mo
Today · 4.125%
HK$12,966
baseline
▲ 0.50% · 4.625%
HK$13,755
+HK$789/mo
Deposit HK$1.78M · loan HK$2.68M · min. income ≈ HK$25,932/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$66,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,573
−HK$733/mo
▼ 0.25% · 3.875%
HK$13,937
−HK$369/mo
Today · 4.125%
HK$14,306
baseline
▲ 0.50% · 4.625%
HK$15,061
+HK$755/mo
Deposit HK$1.78M · loan HK$2.68M · min. income ≈ HK$28,612/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$66,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,234
−HK$893/mo
▼ 0.25% · 3.875%
HK$14,677
−HK$450/mo
Today · 4.125%
HK$15,127
baseline
▲ 0.50% · 4.625%
HK$16,047
+HK$920/mo
Deposit HK$1.34M · loan HK$3.12M · min. income ≈ HK$30,254/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$66,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,835
−HK$856/mo
▼ 0.25% · 3.875%
HK$16,260
−HK$431/mo
Today · 4.125%
HK$16,691
baseline
▲ 0.50% · 4.625%
HK$17,571
+HK$880/mo
Deposit HK$1.34M · loan HK$3.12M · min. income ≈ HK$33,382/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$66,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,301
−HK$1,148/mo
▼ 0.25% · 3.875%
HK$18,870
−HK$579/mo
Today · 4.125%
HK$19,449
baseline
▲ 0.50% · 4.625%
HK$20,632
+HK$1,183/mo
Deposit HK$446K · loan HK$4.01M · min. income ≈ HK$38,898/mo (50% DSR)
Upfront cash ≈ HK$513K (deposit + AVD stamp duty HK$66,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,360
−HK$1,100/mo
▼ 0.25% · 3.875%
HK$20,906
−HK$554/mo
Today · 4.125%
HK$21,460
baseline
▲ 0.50% · 4.625%
HK$22,591
+HK$1,131/mo
Deposit HK$446K · loan HK$4.01M · min. income ≈ HK$42,920/mo (50% DSR)
Upfront cash ≈ HK$513K (deposit + AVD stamp duty HK$66,882 · 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).