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$10,165
−HK$638/mo
▼ 0.25% · 3.875%
HK$10,482
−HK$321/mo
Today · 4.125%
HK$10,803
baseline
▲ 0.50% · 4.625%
HK$11,460
+HK$657/mo
Deposit HK$2.23M · loan HK$2.23M · min. income ≈ HK$21,606/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$66,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,309
−HK$611/mo
▼ 0.25% · 3.875%
HK$11,612
−HK$308/mo
Today · 4.125%
HK$11,920
baseline
▲ 0.50% · 4.625%
HK$12,548
+HK$628/mo
Deposit HK$2.23M · loan HK$2.23M · min. income ≈ HK$23,840/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$66,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,198
−HK$765/mo
▼ 0.25% · 3.875%
HK$12,578
−HK$385/mo
Today · 4.125%
HK$12,963
baseline
▲ 0.50% · 4.625%
HK$13,752
+HK$789/mo
Deposit HK$1.78M · loan HK$2.67M · min. income ≈ HK$25,926/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$66,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,571
−HK$733/mo
▼ 0.25% · 3.875%
HK$13,935
−HK$369/mo
Today · 4.125%
HK$14,304
baseline
▲ 0.50% · 4.625%
HK$15,058
+HK$754/mo
Deposit HK$1.78M · loan HK$2.67M · min. income ≈ HK$28,608/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$66,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,231
−HK$893/mo
▼ 0.25% · 3.875%
HK$14,674
−HK$450/mo
Today · 4.125%
HK$15,124
baseline
▲ 0.50% · 4.625%
HK$16,044
+HK$920/mo
Deposit HK$1.34M · loan HK$3.12M · min. income ≈ HK$30,248/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$66,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,832
−HK$856/mo
▼ 0.25% · 3.875%
HK$16,257
−HK$431/mo
Today · 4.125%
HK$16,688
baseline
▲ 0.50% · 4.625%
HK$17,567
+HK$879/mo
Deposit HK$1.34M · loan HK$3.12M · min. income ≈ HK$33,376/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$66,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,298
−HK$1,147/mo
▼ 0.25% · 3.875%
HK$18,867
−HK$578/mo
Today · 4.125%
HK$19,445
baseline
▲ 0.50% · 4.625%
HK$20,628
+HK$1,183/mo
Deposit HK$446K · loan HK$4.01M · min. income ≈ HK$38,890/mo (50% DSR)
Upfront cash ≈ HK$513K (deposit + AVD stamp duty HK$66,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,356
−HK$1,100/mo
▼ 0.25% · 3.875%
HK$20,902
−HK$554/mo
Today · 4.125%
HK$21,456
baseline
▲ 0.50% · 4.625%
HK$22,587
+HK$1,131/mo
Deposit HK$446K · loan HK$4.01M · min. income ≈ HK$42,912/mo (50% DSR)
Upfront cash ≈ HK$513K (deposit + AVD stamp duty HK$66,870 · 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).