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$10,162
−HK$637/mo
▼ 0.25% · 3.875%
HK$10,478
−HK$321/mo
Today · 4.125%
HK$10,799
baseline
▲ 0.50% · 4.625%
HK$11,456
+HK$657/mo
Deposit HK$2.23M · loan HK$2.23M · min. income ≈ HK$21,598/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$66,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,305
−HK$610/mo
▼ 0.25% · 3.875%
HK$11,608
−HK$307/mo
Today · 4.125%
HK$11,915
baseline
▲ 0.50% · 4.625%
HK$12,543
+HK$628/mo
Deposit HK$2.23M · loan HK$2.23M · min. income ≈ HK$23,830/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$66,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,194
−HK$765/mo
▼ 0.25% · 3.875%
HK$12,573
−HK$386/mo
Today · 4.125%
HK$12,959
baseline
▲ 0.50% · 4.625%
HK$13,747
+HK$788/mo
Deposit HK$1.78M · loan HK$2.67M · min. income ≈ HK$25,918/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$66,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,566
−HK$732/mo
▼ 0.25% · 3.875%
HK$13,929
−HK$369/mo
Today · 4.125%
HK$14,298
baseline
▲ 0.50% · 4.625%
HK$15,052
+HK$754/mo
Deposit HK$1.78M · loan HK$2.67M · min. income ≈ HK$28,596/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$66,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,226
−HK$892/mo
▼ 0.25% · 3.875%
HK$14,669
−HK$449/mo
Today · 4.125%
HK$15,118
baseline
▲ 0.50% · 4.625%
HK$16,038
+HK$920/mo
Deposit HK$1.34M · loan HK$3.12M · min. income ≈ HK$30,236/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$66,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,826
−HK$856/mo
▼ 0.25% · 3.875%
HK$16,251
−HK$431/mo
Today · 4.125%
HK$16,682
baseline
▲ 0.50% · 4.625%
HK$17,561
+HK$879/mo
Deposit HK$1.34M · loan HK$3.12M · min. income ≈ HK$33,364/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$66,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,291
−HK$1,147/mo
▼ 0.25% · 3.875%
HK$18,860
−HK$578/mo
Today · 4.125%
HK$19,438
baseline
▲ 0.50% · 4.625%
HK$20,621
+HK$1,183/mo
Deposit HK$446K · loan HK$4.01M · min. income ≈ HK$38,876/mo (50% DSR)
Upfront cash ≈ HK$512K (deposit + AVD stamp duty HK$66,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,348
−HK$1,100/mo
▼ 0.25% · 3.875%
HK$20,894
−HK$554/mo
Today · 4.125%
HK$21,448
baseline
▲ 0.50% · 4.625%
HK$22,578
+HK$1,130/mo
Deposit HK$446K · loan HK$4.01M · min. income ≈ HK$42,896/mo (50% DSR)
Upfront cash ≈ HK$512K (deposit + AVD stamp duty HK$66,845 · 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).