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$10,390
−HK$652/mo
▼ 0.25% · 3.875%
HK$10,713
−HK$329/mo
Today · 4.125%
HK$11,042
baseline
▲ 0.50% · 4.625%
HK$11,714
+HK$672/mo
Deposit HK$2.28M · loan HK$2.28M · min. income ≈ HK$22,084/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$73,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,559
−HK$625/mo
▼ 0.25% · 3.875%
HK$11,869
−HK$315/mo
Today · 4.125%
HK$12,184
baseline
▲ 0.50% · 4.625%
HK$12,826
+HK$642/mo
Deposit HK$2.28M · loan HK$2.28M · min. income ≈ HK$24,368/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$73,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,468
−HK$782/mo
▼ 0.25% · 3.875%
HK$12,856
−HK$394/mo
Today · 4.125%
HK$13,250
baseline
▲ 0.50% · 4.625%
HK$14,056
+HK$806/mo
Deposit HK$1.82M · loan HK$2.73M · min. income ≈ HK$26,500/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$73,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,871
−HK$749/mo
▼ 0.25% · 3.875%
HK$14,243
−HK$377/mo
Today · 4.125%
HK$14,620
baseline
▲ 0.50% · 4.625%
HK$15,391
+HK$771/mo
Deposit HK$1.82M · loan HK$2.73M · min. income ≈ HK$29,240/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$73,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,546
−HK$913/mo
▼ 0.25% · 3.875%
HK$14,999
−HK$460/mo
Today · 4.125%
HK$15,459
baseline
▲ 0.50% · 4.625%
HK$16,399
+HK$940/mo
Deposit HK$1.37M · loan HK$3.19M · min. income ≈ HK$30,918/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$73,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,183
−HK$874/mo
▼ 0.25% · 3.875%
HK$16,617
−HK$440/mo
Today · 4.125%
HK$17,057
baseline
▲ 0.50% · 4.625%
HK$17,956
+HK$899/mo
Deposit HK$1.37M · loan HK$3.19M · min. income ≈ HK$34,114/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$73,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,702
−HK$1,173/mo
▼ 0.25% · 3.875%
HK$19,284
−HK$591/mo
Today · 4.125%
HK$19,875
baseline
▲ 0.50% · 4.625%
HK$21,085
+HK$1,210/mo
Deposit HK$456K · loan HK$4.10M · min. income ≈ HK$39,750/mo (50% DSR)
Upfront cash ≈ HK$529K (deposit + AVD stamp duty HK$73,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,806
−HK$1,124/mo
▼ 0.25% · 3.875%
HK$21,364
−HK$566/mo
Today · 4.125%
HK$21,930
baseline
▲ 0.50% · 4.625%
HK$23,086
+HK$1,156/mo
Deposit HK$456K · loan HK$4.10M · min. income ≈ HK$43,860/mo (50% DSR)
Upfront cash ≈ HK$529K (deposit + AVD stamp duty HK$73,161 · 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).