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$10,350
−HK$649/mo
▼ 0.25% · 3.875%
HK$10,672
−HK$327/mo
Today · 4.125%
HK$10,999
baseline
▲ 0.50% · 4.625%
HK$11,668
+HK$669/mo
Deposit HK$2.27M · loan HK$2.27M · min. income ≈ HK$21,998/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$71,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,514
−HK$622/mo
▼ 0.25% · 3.875%
HK$11,823
−HK$313/mo
Today · 4.125%
HK$12,136
baseline
▲ 0.50% · 4.625%
HK$12,776
+HK$640/mo
Deposit HK$2.27M · loan HK$2.27M · min. income ≈ HK$24,272/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$71,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,420
−HK$779/mo
▼ 0.25% · 3.875%
HK$12,806
−HK$393/mo
Today · 4.125%
HK$13,199
baseline
▲ 0.50% · 4.625%
HK$14,002
+HK$803/mo
Deposit HK$1.82M · loan HK$2.72M · min. income ≈ HK$26,398/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$71,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,817
−HK$747/mo
▼ 0.25% · 3.875%
HK$14,188
−HK$376/mo
Today · 4.125%
HK$14,564
baseline
▲ 0.50% · 4.625%
HK$15,331
+HK$767/mo
Deposit HK$1.82M · loan HK$2.72M · min. income ≈ HK$29,128/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$71,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,490
−HK$909/mo
▼ 0.25% · 3.875%
HK$14,941
−HK$458/mo
Today · 4.125%
HK$15,399
baseline
▲ 0.50% · 4.625%
HK$16,336
+HK$937/mo
Deposit HK$1.36M · loan HK$3.18M · min. income ≈ HK$30,798/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$71,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,120
−HK$871/mo
▼ 0.25% · 3.875%
HK$16,552
−HK$439/mo
Today · 4.125%
HK$16,991
baseline
▲ 0.50% · 4.625%
HK$17,886
+HK$895/mo
Deposit HK$1.36M · loan HK$3.18M · min. income ≈ HK$33,982/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$71,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,630
−HK$1,168/mo
▼ 0.25% · 3.875%
HK$19,209
−HK$589/mo
Today · 4.125%
HK$19,798
baseline
▲ 0.50% · 4.625%
HK$21,003
+HK$1,205/mo
Deposit HK$454K · loan HK$4.09M · min. income ≈ HK$39,596/mo (50% DSR)
Upfront cash ≈ HK$525K (deposit + AVD stamp duty HK$71,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,726
−HK$1,119/mo
▼ 0.25% · 3.875%
HK$21,282
−HK$563/mo
Today · 4.125%
HK$21,845
baseline
▲ 0.50% · 4.625%
HK$22,997
+HK$1,152/mo
Deposit HK$454K · loan HK$4.09M · min. income ≈ HK$43,690/mo (50% DSR)
Upfront cash ≈ HK$525K (deposit + AVD stamp duty HK$71,396 · 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).