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$10,386
−HK$652/mo
▼ 0.25% · 3.875%
HK$10,710
−HK$328/mo
Today · 4.125%
HK$11,038
baseline
▲ 0.50% · 4.625%
HK$11,709
+HK$671/mo
Deposit HK$2.28M · loan HK$2.28M · min. income ≈ HK$22,076/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$72,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,555
−HK$624/mo
▼ 0.25% · 3.875%
HK$11,865
−HK$314/mo
Today · 4.125%
HK$12,179
baseline
▲ 0.50% · 4.625%
HK$12,821
+HK$642/mo
Deposit HK$2.28M · loan HK$2.28M · min. income ≈ HK$24,358/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$72,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,464
−HK$781/mo
▼ 0.25% · 3.875%
HK$12,851
−HK$394/mo
Today · 4.125%
HK$13,245
baseline
▲ 0.50% · 4.625%
HK$14,051
+HK$806/mo
Deposit HK$1.82M · loan HK$2.73M · min. income ≈ HK$26,490/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$72,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,866
−HK$749/mo
▼ 0.25% · 3.875%
HK$14,238
−HK$377/mo
Today · 4.125%
HK$14,615
baseline
▲ 0.50% · 4.625%
HK$15,385
+HK$770/mo
Deposit HK$1.82M · loan HK$2.73M · min. income ≈ HK$29,230/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$72,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,541
−HK$912/mo
▼ 0.25% · 3.875%
HK$14,993
−HK$460/mo
Today · 4.125%
HK$15,453
baseline
▲ 0.50% · 4.625%
HK$16,393
+HK$940/mo
Deposit HK$1.37M · loan HK$3.19M · min. income ≈ HK$30,906/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$72,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,177
−HK$874/mo
▼ 0.25% · 3.875%
HK$16,611
−HK$440/mo
Today · 4.125%
HK$17,051
baseline
▲ 0.50% · 4.625%
HK$17,950
+HK$899/mo
Deposit HK$1.37M · loan HK$3.19M · min. income ≈ HK$34,102/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$72,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,696
−HK$1,172/mo
▼ 0.25% · 3.875%
HK$19,277
−HK$591/mo
Today · 4.125%
HK$19,868
baseline
▲ 0.50% · 4.625%
HK$21,077
+HK$1,209/mo
Deposit HK$455K · loan HK$4.10M · min. income ≈ HK$39,736/mo (50% DSR)
Upfront cash ≈ HK$528K (deposit + AVD stamp duty HK$72,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,799
−HK$1,123/mo
▼ 0.25% · 3.875%
HK$21,357
−HK$565/mo
Today · 4.125%
HK$21,922
baseline
▲ 0.50% · 4.625%
HK$23,078
+HK$1,156/mo
Deposit HK$455K · loan HK$4.10M · min. income ≈ HK$43,844/mo (50% DSR)
Upfront cash ≈ HK$528K (deposit + AVD stamp duty HK$72,996 · 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).