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$10,356
−HK$650/mo
▼ 0.25% · 3.875%
HK$10,678
−HK$328/mo
Today · 4.125%
HK$11,006
baseline
▲ 0.50% · 4.625%
HK$11,675
+HK$669/mo
Deposit HK$2.27M · loan HK$2.27M · min. income ≈ HK$22,012/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$71,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,521
−HK$623/mo
▼ 0.25% · 3.875%
HK$11,830
−HK$314/mo
Today · 4.125%
HK$12,144
baseline
▲ 0.50% · 4.625%
HK$12,784
+HK$640/mo
Deposit HK$2.27M · loan HK$2.27M · min. income ≈ HK$24,288/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$71,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,427
−HK$780/mo
▼ 0.25% · 3.875%
HK$12,814
−HK$393/mo
Today · 4.125%
HK$13,207
baseline
▲ 0.50% · 4.625%
HK$14,010
+HK$803/mo
Deposit HK$1.82M · loan HK$2.73M · min. income ≈ HK$26,414/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$71,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,825
−HK$747/mo
▼ 0.25% · 3.875%
HK$14,196
−HK$376/mo
Today · 4.125%
HK$14,572
baseline
▲ 0.50% · 4.625%
HK$15,340
+HK$768/mo
Deposit HK$1.82M · loan HK$2.73M · min. income ≈ HK$29,144/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$71,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,499
−HK$909/mo
▼ 0.25% · 3.875%
HK$14,950
−HK$458/mo
Today · 4.125%
HK$15,408
baseline
▲ 0.50% · 4.625%
HK$16,345
+HK$937/mo
Deposit HK$1.36M · loan HK$3.18M · min. income ≈ HK$30,816/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$71,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,130
−HK$871/mo
▼ 0.25% · 3.875%
HK$16,562
−HK$439/mo
Today · 4.125%
HK$17,001
baseline
▲ 0.50% · 4.625%
HK$17,897
+HK$896/mo
Deposit HK$1.36M · loan HK$3.18M · min. income ≈ HK$34,002/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$71,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,641
−HK$1,169/mo
▼ 0.25% · 3.875%
HK$19,221
−HK$589/mo
Today · 4.125%
HK$19,810
baseline
▲ 0.50% · 4.625%
HK$21,015
+HK$1,205/mo
Deposit HK$454K · loan HK$4.09M · min. income ≈ HK$39,620/mo (50% DSR)
Upfront cash ≈ HK$526K (deposit + AVD stamp duty HK$71,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,738
−HK$1,120/mo
▼ 0.25% · 3.875%
HK$21,294
−HK$564/mo
Today · 4.125%
HK$21,858
baseline
▲ 0.50% · 4.625%
HK$23,011
+HK$1,153/mo
Deposit HK$454K · loan HK$4.09M · min. income ≈ HK$43,716/mo (50% DSR)
Upfront cash ≈ HK$526K (deposit + AVD stamp duty HK$71,668 · 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).