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$10,298
−HK$645/mo
▼ 0.25% · 3.875%
HK$10,618
−HK$325/mo
Today · 4.125%
HK$10,943
baseline
▲ 0.50% · 4.625%
HK$11,609
+HK$666/mo
Deposit HK$2.26M · loan HK$2.26M · min. income ≈ HK$21,886/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$69,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,456
−HK$619/mo
▼ 0.25% · 3.875%
HK$11,763
−HK$312/mo
Today · 4.125%
HK$12,075
baseline
▲ 0.50% · 4.625%
HK$12,711
+HK$636/mo
Deposit HK$2.26M · loan HK$2.26M · min. income ≈ HK$24,150/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$69,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,357
−HK$775/mo
▼ 0.25% · 3.875%
HK$12,741
−HK$391/mo
Today · 4.125%
HK$13,132
baseline
▲ 0.50% · 4.625%
HK$13,931
+HK$799/mo
Deposit HK$1.81M · loan HK$2.71M · min. income ≈ HK$26,264/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$69,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,747
−HK$743/mo
▼ 0.25% · 3.875%
HK$14,116
−HK$374/mo
Today · 4.125%
HK$14,490
baseline
▲ 0.50% · 4.625%
HK$15,254
+HK$764/mo
Deposit HK$1.81M · loan HK$2.71M · min. income ≈ HK$28,980/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$69,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,417
−HK$904/mo
▼ 0.25% · 3.875%
HK$14,865
−HK$456/mo
Today · 4.125%
HK$15,321
baseline
▲ 0.50% · 4.625%
HK$16,253
+HK$932/mo
Deposit HK$1.35M · loan HK$3.16M · min. income ≈ HK$30,642/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$69,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,038
−HK$867/mo
▼ 0.25% · 3.875%
HK$16,468
−HK$437/mo
Today · 4.125%
HK$16,905
baseline
▲ 0.50% · 4.625%
HK$17,796
+HK$891/mo
Deposit HK$1.35M · loan HK$3.16M · min. income ≈ HK$33,810/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$69,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,536
−HK$1,162/mo
▼ 0.25% · 3.875%
HK$19,112
−HK$586/mo
Today · 4.125%
HK$19,698
baseline
▲ 0.50% · 4.625%
HK$20,897
+HK$1,199/mo
Deposit HK$452K · loan HK$4.06M · min. income ≈ HK$39,396/mo (50% DSR)
Upfront cash ≈ HK$521K (deposit + AVD stamp duty HK$69,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,621
−HK$1,114/mo
▼ 0.25% · 3.875%
HK$21,174
−HK$561/mo
Today · 4.125%
HK$21,735
baseline
▲ 0.50% · 4.625%
HK$22,880
+HK$1,145/mo
Deposit HK$452K · loan HK$4.06M · min. income ≈ HK$43,470/mo (50% DSR)
Upfront cash ≈ HK$521K (deposit + AVD stamp duty HK$69,098 · 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).