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$10,009
−HK$627/mo
▼ 0.25% · 3.875%
HK$10,320
−HK$316/mo
Today · 4.125%
HK$10,636
baseline
▲ 0.50% · 4.625%
HK$11,284
+HK$648/mo
Deposit HK$2.19M · loan HK$2.19M · min. income ≈ HK$21,272/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$65,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,135
−HK$601/mo
▼ 0.25% · 3.875%
HK$11,433
−HK$303/mo
Today · 4.125%
HK$11,736
baseline
▲ 0.50% · 4.625%
HK$12,355
+HK$619/mo
Deposit HK$2.19M · loan HK$2.19M · min. income ≈ HK$23,472/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$65,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,011
−HK$753/mo
▼ 0.25% · 3.875%
HK$12,384
−HK$380/mo
Today · 4.125%
HK$12,764
baseline
▲ 0.50% · 4.625%
HK$13,540
+HK$776/mo
Deposit HK$1.76M · loan HK$2.63M · min. income ≈ HK$25,528/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$65,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,362
−HK$721/mo
▼ 0.25% · 3.875%
HK$13,720
−HK$363/mo
Today · 4.125%
HK$14,083
baseline
▲ 0.50% · 4.625%
HK$14,826
+HK$743/mo
Deposit HK$1.76M · loan HK$2.63M · min. income ≈ HK$28,166/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$65,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,012
−HK$879/mo
▼ 0.25% · 3.875%
HK$14,448
−HK$443/mo
Today · 4.125%
HK$14,891
baseline
▲ 0.50% · 4.625%
HK$15,797
+HK$906/mo
Deposit HK$1.32M · loan HK$3.07M · min. income ≈ HK$29,782/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$65,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,589
−HK$842/mo
▼ 0.25% · 3.875%
HK$16,007
−HK$424/mo
Today · 4.125%
HK$16,431
baseline
▲ 0.50% · 4.625%
HK$17,297
+HK$866/mo
Deposit HK$1.32M · loan HK$3.07M · min. income ≈ HK$32,862/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$65,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,016
−HK$1,130/mo
▼ 0.25% · 3.875%
HK$18,576
−HK$570/mo
Today · 4.125%
HK$19,146
baseline
▲ 0.50% · 4.625%
HK$20,310
+HK$1,164/mo
Deposit HK$439K · loan HK$3.95M · min. income ≈ HK$38,292/mo (50% DSR)
Upfront cash ≈ HK$505K (deposit + AVD stamp duty HK$65,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,042
−HK$1,083/mo
▼ 0.25% · 3.875%
HK$20,580
−HK$545/mo
Today · 4.125%
HK$21,125
baseline
▲ 0.50% · 4.625%
HK$22,239
+HK$1,114/mo
Deposit HK$439K · loan HK$3.95M · min. income ≈ HK$42,250/mo (50% DSR)
Upfront cash ≈ HK$505K (deposit + AVD stamp duty HK$65,840 · 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).