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$10,458
−HK$655/mo
▼ 0.25% · 3.875%
HK$10,783
−HK$330/mo
Today · 4.125%
HK$11,113
baseline
▲ 0.50% · 4.625%
HK$11,790
+HK$677/mo
Deposit HK$2.29M · loan HK$2.29M · min. income ≈ HK$22,226/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$76,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,634
−HK$628/mo
▼ 0.25% · 3.875%
HK$11,946
−HK$316/mo
Today · 4.125%
HK$12,262
baseline
▲ 0.50% · 4.625%
HK$12,909
+HK$647/mo
Deposit HK$2.29M · loan HK$2.29M · min. income ≈ HK$24,524/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$76,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,549
−HK$787/mo
▼ 0.25% · 3.875%
HK$12,939
−HK$397/mo
Today · 4.125%
HK$13,336
baseline
▲ 0.50% · 4.625%
HK$14,147
+HK$811/mo
Deposit HK$1.83M · loan HK$2.75M · min. income ≈ HK$26,672/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$76,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,961
−HK$754/mo
▼ 0.25% · 3.875%
HK$14,335
−HK$380/mo
Today · 4.125%
HK$14,715
baseline
▲ 0.50% · 4.625%
HK$15,491
+HK$776/mo
Deposit HK$1.83M · loan HK$2.75M · min. income ≈ HK$29,430/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$76,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,641
−HK$918/mo
▼ 0.25% · 3.875%
HK$15,096
−HK$463/mo
Today · 4.125%
HK$15,559
baseline
▲ 0.50% · 4.625%
HK$16,505
+HK$946/mo
Deposit HK$1.38M · loan HK$3.21M · min. income ≈ HK$31,118/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$76,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,287
−HK$880/mo
▼ 0.25% · 3.875%
HK$16,724
−HK$443/mo
Today · 4.125%
HK$17,167
baseline
▲ 0.50% · 4.625%
HK$18,072
+HK$905/mo
Deposit HK$1.38M · loan HK$3.21M · min. income ≈ HK$34,334/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$76,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,824
−HK$1,180/mo
▼ 0.25% · 3.875%
HK$19,409
−HK$595/mo
Today · 4.125%
HK$20,004
baseline
▲ 0.50% · 4.625%
HK$21,221
+HK$1,217/mo
Deposit HK$459K · loan HK$4.13M · min. income ≈ HK$40,008/mo (50% DSR)
Upfront cash ≈ HK$535K (deposit + AVD stamp duty HK$76,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,941
−HK$1,131/mo
▼ 0.25% · 3.875%
HK$21,503
−HK$569/mo
Today · 4.125%
HK$22,072
baseline
▲ 0.50% · 4.625%
HK$23,236
+HK$1,164/mo
Deposit HK$459K · loan HK$4.13M · min. income ≈ HK$44,144/mo (50% DSR)
Upfront cash ≈ HK$535K (deposit + AVD stamp duty HK$76,114 · 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).