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$10,234
−HK$642/mo
▼ 0.25% · 3.875%
HK$10,552
−HK$324/mo
Today · 4.125%
HK$10,876
baseline
▲ 0.50% · 4.625%
HK$11,537
+HK$661/mo
Deposit HK$2.24M · loan HK$2.24M · min. income ≈ HK$21,752/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$67,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,385
−HK$615/mo
▼ 0.25% · 3.875%
HK$11,691
−HK$309/mo
Today · 4.125%
HK$12,000
baseline
▲ 0.50% · 4.625%
HK$12,633
+HK$633/mo
Deposit HK$2.24M · loan HK$2.24M · min. income ≈ HK$24,000/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$67,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,281
−HK$770/mo
▼ 0.25% · 3.875%
HK$12,663
−HK$388/mo
Today · 4.125%
HK$13,051
baseline
▲ 0.50% · 4.625%
HK$13,845
+HK$794/mo
Deposit HK$1.80M · loan HK$2.69M · min. income ≈ HK$26,102/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$67,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,662
−HK$738/mo
▼ 0.25% · 3.875%
HK$14,029
−HK$371/mo
Today · 4.125%
HK$14,400
baseline
▲ 0.50% · 4.625%
HK$15,159
+HK$759/mo
Deposit HK$1.80M · loan HK$2.69M · min. income ≈ HK$28,800/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$67,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,328
−HK$898/mo
▼ 0.25% · 3.875%
HK$14,773
−HK$453/mo
Today · 4.125%
HK$15,226
baseline
▲ 0.50% · 4.625%
HK$16,152
+HK$926/mo
Deposit HK$1.35M · loan HK$3.14M · min. income ≈ HK$30,452/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$67,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,939
−HK$861/mo
▼ 0.25% · 3.875%
HK$16,367
−HK$433/mo
Today · 4.125%
HK$16,800
baseline
▲ 0.50% · 4.625%
HK$17,686
+HK$886/mo
Deposit HK$1.35M · loan HK$3.14M · min. income ≈ HK$33,600/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$67,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,421
−HK$1,155/mo
▼ 0.25% · 3.875%
HK$18,994
−HK$582/mo
Today · 4.125%
HK$19,576
baseline
▲ 0.50% · 4.625%
HK$20,767
+HK$1,191/mo
Deposit HK$449K · loan HK$4.04M · min. income ≈ HK$39,152/mo (50% DSR)
Upfront cash ≈ HK$516K (deposit + AVD stamp duty HK$67,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,493
−HK$1,108/mo
▼ 0.25% · 3.875%
HK$21,043
−HK$558/mo
Today · 4.125%
HK$21,601
baseline
▲ 0.50% · 4.625%
HK$22,739
+HK$1,138/mo
Deposit HK$449K · loan HK$4.04M · min. income ≈ HK$43,202/mo (50% DSR)
Upfront cash ≈ HK$516K (deposit + AVD stamp duty HK$67,322 · 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).