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$10,343
−HK$649/mo
▼ 0.25% · 3.875%
HK$10,665
−HK$327/mo
Today · 4.125%
HK$10,992
baseline
▲ 0.50% · 4.625%
HK$11,661
+HK$669/mo
Deposit HK$2.27M · loan HK$2.27M · min. income ≈ HK$21,984/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$71,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,507
−HK$622/mo
▼ 0.25% · 3.875%
HK$11,816
−HK$313/mo
Today · 4.125%
HK$12,129
baseline
▲ 0.50% · 4.625%
HK$12,768
+HK$639/mo
Deposit HK$2.27M · loan HK$2.27M · min. income ≈ HK$24,258/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$71,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,412
−HK$779/mo
▼ 0.25% · 3.875%
HK$12,798
−HK$393/mo
Today · 4.125%
HK$13,191
baseline
▲ 0.50% · 4.625%
HK$13,993
+HK$802/mo
Deposit HK$1.81M · loan HK$2.72M · min. income ≈ HK$26,382/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$71,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,808
−HK$746/mo
▼ 0.25% · 3.875%
HK$14,179
−HK$375/mo
Today · 4.125%
HK$14,554
baseline
▲ 0.50% · 4.625%
HK$15,322
+HK$768/mo
Deposit HK$1.81M · loan HK$2.72M · min. income ≈ HK$29,108/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$71,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,481
−HK$908/mo
▼ 0.25% · 3.875%
HK$14,931
−HK$458/mo
Today · 4.125%
HK$15,389
baseline
▲ 0.50% · 4.625%
HK$16,325
+HK$936/mo
Deposit HK$1.36M · loan HK$3.18M · min. income ≈ HK$30,778/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$71,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,110
−HK$870/mo
▼ 0.25% · 3.875%
HK$16,542
−HK$438/mo
Today · 4.125%
HK$16,980
baseline
▲ 0.50% · 4.625%
HK$17,875
+HK$895/mo
Deposit HK$1.36M · loan HK$3.18M · min. income ≈ HK$33,960/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$71,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,618
−HK$1,168/mo
▼ 0.25% · 3.875%
HK$19,197
−HK$589/mo
Today · 4.125%
HK$19,786
baseline
▲ 0.50% · 4.625%
HK$20,990
+HK$1,204/mo
Deposit HK$454K · loan HK$4.08M · min. income ≈ HK$39,572/mo (50% DSR)
Upfront cash ≈ HK$525K (deposit + AVD stamp duty HK$71,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,713
−HK$1,119/mo
▼ 0.25% · 3.875%
HK$21,268
−HK$564/mo
Today · 4.125%
HK$21,832
baseline
▲ 0.50% · 4.625%
HK$22,982
+HK$1,150/mo
Deposit HK$454K · loan HK$4.08M · min. income ≈ HK$43,664/mo (50% DSR)
Upfront cash ≈ HK$525K (deposit + AVD stamp duty HK$71,110 · 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).