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$10,164
−HK$638/mo
▼ 0.25% · 3.875%
HK$10,480
−HK$322/mo
Today · 4.125%
HK$10,802
baseline
▲ 0.50% · 4.625%
HK$11,459
+HK$657/mo
Deposit HK$2.23M · loan HK$2.23M · min. income ≈ HK$21,604/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$66,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,308
−HK$610/mo
▼ 0.25% · 3.875%
HK$11,611
−HK$307/mo
Today · 4.125%
HK$11,918
baseline
▲ 0.50% · 4.625%
HK$12,547
+HK$629/mo
Deposit HK$2.23M · loan HK$2.23M · min. income ≈ HK$23,836/mo (50% DSR)
Upfront cash ≈ HK$2.30M (deposit + AVD stamp duty HK$66,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,197
−HK$765/mo
▼ 0.25% · 3.875%
HK$12,576
−HK$386/mo
Today · 4.125%
HK$12,962
baseline
▲ 0.50% · 4.625%
HK$13,751
+HK$789/mo
Deposit HK$1.78M · loan HK$2.67M · min. income ≈ HK$25,924/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$66,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,569
−HK$733/mo
▼ 0.25% · 3.875%
HK$13,933
−HK$369/mo
Today · 4.125%
HK$14,302
baseline
▲ 0.50% · 4.625%
HK$15,056
+HK$754/mo
Deposit HK$1.78M · loan HK$2.67M · min. income ≈ HK$28,604/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$66,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,230
−HK$892/mo
▼ 0.25% · 3.875%
HK$14,672
−HK$450/mo
Today · 4.125%
HK$15,122
baseline
▲ 0.50% · 4.625%
HK$16,042
+HK$920/mo
Deposit HK$1.34M · loan HK$3.12M · min. income ≈ HK$30,244/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$66,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,831
−HK$855/mo
▼ 0.25% · 3.875%
HK$16,255
−HK$431/mo
Today · 4.125%
HK$16,686
baseline
▲ 0.50% · 4.625%
HK$17,565
+HK$879/mo
Deposit HK$1.34M · loan HK$3.12M · min. income ≈ HK$33,372/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$66,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,296
−HK$1,147/mo
▼ 0.25% · 3.875%
HK$18,865
−HK$578/mo
Today · 4.125%
HK$19,443
baseline
▲ 0.50% · 4.625%
HK$20,626
+HK$1,183/mo
Deposit HK$446K · loan HK$4.01M · min. income ≈ HK$38,886/mo (50% DSR)
Upfront cash ≈ HK$513K (deposit + AVD stamp duty HK$66,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,354
−HK$1,099/mo
▼ 0.25% · 3.875%
HK$20,899
−HK$554/mo
Today · 4.125%
HK$21,453
baseline
▲ 0.50% · 4.625%
HK$22,584
+HK$1,131/mo
Deposit HK$446K · loan HK$4.01M · min. income ≈ HK$42,906/mo (50% DSR)
Upfront cash ≈ HK$513K (deposit + AVD stamp duty HK$66,863 · 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).