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$10,353
−HK$649/mo
▼ 0.25% · 3.875%
HK$10,675
−HK$327/mo
Today · 4.125%
HK$11,002
baseline
▲ 0.50% · 4.625%
HK$11,671
+HK$669/mo
Deposit HK$2.27M · loan HK$2.27M · min. income ≈ HK$22,004/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$71,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,517
−HK$623/mo
▼ 0.25% · 3.875%
HK$11,826
−HK$314/mo
Today · 4.125%
HK$12,140
baseline
▲ 0.50% · 4.625%
HK$12,780
+HK$640/mo
Deposit HK$2.27M · loan HK$2.27M · min. income ≈ HK$24,280/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$71,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,423
−HK$779/mo
▼ 0.25% · 3.875%
HK$12,810
−HK$392/mo
Today · 4.125%
HK$13,202
baseline
▲ 0.50% · 4.625%
HK$14,006
+HK$804/mo
Deposit HK$1.82M · loan HK$2.72M · min. income ≈ HK$26,404/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$71,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,821
−HK$747/mo
▼ 0.25% · 3.875%
HK$14,192
−HK$376/mo
Today · 4.125%
HK$14,568
baseline
▲ 0.50% · 4.625%
HK$15,335
+HK$767/mo
Deposit HK$1.82M · loan HK$2.72M · min. income ≈ HK$29,136/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$71,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,494
−HK$909/mo
▼ 0.25% · 3.875%
HK$14,945
−HK$458/mo
Today · 4.125%
HK$15,403
baseline
▲ 0.50% · 4.625%
HK$16,340
+HK$937/mo
Deposit HK$1.36M · loan HK$3.18M · min. income ≈ HK$30,806/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$71,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,124
−HK$871/mo
▼ 0.25% · 3.875%
HK$16,557
−HK$438/mo
Today · 4.125%
HK$16,995
baseline
▲ 0.50% · 4.625%
HK$17,891
+HK$896/mo
Deposit HK$1.36M · loan HK$3.18M · min. income ≈ HK$33,990/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$71,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,635
−HK$1,169/mo
▼ 0.25% · 3.875%
HK$19,215
−HK$589/mo
Today · 4.125%
HK$19,804
baseline
▲ 0.50% · 4.625%
HK$21,009
+HK$1,205/mo
Deposit HK$454K · loan HK$4.09M · min. income ≈ HK$39,608/mo (50% DSR)
Upfront cash ≈ HK$526K (deposit + AVD stamp duty HK$71,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,731
−HK$1,120/mo
▼ 0.25% · 3.875%
HK$21,287
−HK$564/mo
Today · 4.125%
HK$21,851
baseline
▲ 0.50% · 4.625%
HK$23,003
+HK$1,152/mo
Deposit HK$454K · loan HK$4.09M · min. income ≈ HK$43,702/mo (50% DSR)
Upfront cash ≈ HK$526K (deposit + AVD stamp duty HK$71,519 · 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).