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$10,345
−HK$648/mo
▼ 0.25% · 3.875%
HK$10,666
−HK$327/mo
Today · 4.125%
HK$10,993
baseline
▲ 0.50% · 4.625%
HK$11,662
+HK$669/mo
Deposit HK$2.27M · loan HK$2.27M · min. income ≈ HK$21,986/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$71,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,508
−HK$622/mo
▼ 0.25% · 3.875%
HK$11,817
−HK$313/mo
Today · 4.125%
HK$12,130
baseline
▲ 0.50% · 4.625%
HK$12,769
+HK$639/mo
Deposit HK$2.27M · loan HK$2.27M · min. income ≈ HK$24,260/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$71,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,414
−HK$778/mo
▼ 0.25% · 3.875%
HK$12,800
−HK$392/mo
Today · 4.125%
HK$13,192
baseline
▲ 0.50% · 4.625%
HK$13,995
+HK$803/mo
Deposit HK$1.81M · loan HK$2.72M · min. income ≈ HK$26,384/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$71,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,810
−HK$746/mo
▼ 0.25% · 3.875%
HK$14,180
−HK$376/mo
Today · 4.125%
HK$14,556
baseline
▲ 0.50% · 4.625%
HK$15,323
+HK$767/mo
Deposit HK$1.81M · loan HK$2.72M · min. income ≈ HK$29,112/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$71,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,482
−HK$909/mo
▼ 0.25% · 3.875%
HK$14,933
−HK$458/mo
Today · 4.125%
HK$15,391
baseline
▲ 0.50% · 4.625%
HK$16,327
+HK$936/mo
Deposit HK$1.36M · loan HK$3.18M · min. income ≈ HK$30,782/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$71,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,112
−HK$870/mo
▼ 0.25% · 3.875%
HK$16,544
−HK$438/mo
Today · 4.125%
HK$16,982
baseline
▲ 0.50% · 4.625%
HK$17,877
+HK$895/mo
Deposit HK$1.36M · loan HK$3.18M · min. income ≈ HK$33,964/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$71,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,620
−HK$1,168/mo
▼ 0.25% · 3.875%
HK$19,199
−HK$589/mo
Today · 4.125%
HK$19,788
baseline
▲ 0.50% · 4.625%
HK$20,992
+HK$1,204/mo
Deposit HK$454K · loan HK$4.08M · min. income ≈ HK$39,576/mo (50% DSR)
Upfront cash ≈ HK$525K (deposit + AVD stamp duty HK$71,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,715
−HK$1,119/mo
▼ 0.25% · 3.875%
HK$21,270
−HK$564/mo
Today · 4.125%
HK$21,834
baseline
▲ 0.50% · 4.625%
HK$22,985
+HK$1,151/mo
Deposit HK$454K · loan HK$4.08M · min. income ≈ HK$43,668/mo (50% DSR)
Upfront cash ≈ HK$525K (deposit + AVD stamp duty HK$71,159 · 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).