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$10,435
−HK$654/mo
▼ 0.25% · 3.875%
HK$10,759
−HK$330/mo
Today · 4.125%
HK$11,089
baseline
▲ 0.50% · 4.625%
HK$11,764
+HK$675/mo
Deposit HK$2.29M · loan HK$2.29M · min. income ≈ HK$22,178/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$75,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,609
−HK$627/mo
▼ 0.25% · 3.875%
HK$11,920
−HK$316/mo
Today · 4.125%
HK$12,236
baseline
▲ 0.50% · 4.625%
HK$12,881
+HK$645/mo
Deposit HK$2.29M · loan HK$2.29M · min. income ≈ HK$24,472/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$75,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,522
−HK$785/mo
▼ 0.25% · 3.875%
HK$12,911
−HK$396/mo
Today · 4.125%
HK$13,307
baseline
▲ 0.50% · 4.625%
HK$14,117
+HK$810/mo
Deposit HK$1.83M · loan HK$2.75M · min. income ≈ HK$26,614/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$75,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,930
−HK$753/mo
▼ 0.25% · 3.875%
HK$14,304
−HK$379/mo
Today · 4.125%
HK$14,683
baseline
▲ 0.50% · 4.625%
HK$15,457
+HK$774/mo
Deposit HK$1.83M · loan HK$2.75M · min. income ≈ HK$29,366/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$75,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,609
−HK$916/mo
▼ 0.25% · 3.875%
HK$15,063
−HK$462/mo
Today · 4.125%
HK$15,525
baseline
▲ 0.50% · 4.625%
HK$16,469
+HK$944/mo
Deposit HK$1.37M · loan HK$3.20M · min. income ≈ HK$31,050/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$75,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,252
−HK$878/mo
▼ 0.25% · 3.875%
HK$16,688
−HK$442/mo
Today · 4.125%
HK$17,130
baseline
▲ 0.50% · 4.625%
HK$18,033
+HK$903/mo
Deposit HK$1.37M · loan HK$3.20M · min. income ≈ HK$34,260/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$75,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,783
−HK$1,177/mo
▼ 0.25% · 3.875%
HK$19,367
−HK$593/mo
Today · 4.125%
HK$19,960
baseline
▲ 0.50% · 4.625%
HK$21,175
+HK$1,215/mo
Deposit HK$458K · loan HK$4.12M · min. income ≈ HK$39,920/mo (50% DSR)
Upfront cash ≈ HK$533K (deposit + AVD stamp duty HK$75,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,895
−HK$1,129/mo
▼ 0.25% · 3.875%
HK$21,456
−HK$568/mo
Today · 4.125%
HK$22,024
baseline
▲ 0.50% · 4.625%
HK$23,185
+HK$1,161/mo
Deposit HK$458K · loan HK$4.12M · min. income ≈ HK$44,048/mo (50% DSR)
Upfront cash ≈ HK$533K (deposit + AVD stamp duty HK$75,112 · 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).