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$10,294
−HK$646/mo
▼ 0.25% · 3.875%
HK$10,614
−HK$326/mo
Today · 4.125%
HK$10,940
baseline
▲ 0.50% · 4.625%
HK$11,605
+HK$665/mo
Deposit HK$2.26M · loan HK$2.26M · min. income ≈ HK$21,880/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$68,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,452
−HK$619/mo
▼ 0.25% · 3.875%
HK$11,759
−HK$312/mo
Today · 4.125%
HK$12,071
baseline
▲ 0.50% · 4.625%
HK$12,707
+HK$636/mo
Deposit HK$2.26M · loan HK$2.26M · min. income ≈ HK$24,142/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$68,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,353
−HK$775/mo
▼ 0.25% · 3.875%
HK$12,737
−HK$391/mo
Today · 4.125%
HK$13,128
baseline
▲ 0.50% · 4.625%
HK$13,926
+HK$798/mo
Deposit HK$1.81M · loan HK$2.71M · min. income ≈ HK$26,256/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$68,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,743
−HK$742/mo
▼ 0.25% · 3.875%
HK$14,111
−HK$374/mo
Today · 4.125%
HK$14,485
baseline
▲ 0.50% · 4.625%
HK$15,249
+HK$764/mo
Deposit HK$1.81M · loan HK$2.71M · min. income ≈ HK$28,970/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$68,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,412
−HK$904/mo
▼ 0.25% · 3.875%
HK$14,860
−HK$456/mo
Today · 4.125%
HK$15,316
baseline
▲ 0.50% · 4.625%
HK$16,247
+HK$931/mo
Deposit HK$1.35M · loan HK$3.16M · min. income ≈ HK$30,632/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$68,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,033
−HK$866/mo
▼ 0.25% · 3.875%
HK$16,463
−HK$436/mo
Today · 4.125%
HK$16,899
baseline
▲ 0.50% · 4.625%
HK$17,790
+HK$891/mo
Deposit HK$1.35M · loan HK$3.16M · min. income ≈ HK$33,798/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$68,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,529
−HK$1,162/mo
▼ 0.25% · 3.875%
HK$19,106
−HK$585/mo
Today · 4.125%
HK$19,691
baseline
▲ 0.50% · 4.625%
HK$20,890
+HK$1,199/mo
Deposit HK$451K · loan HK$4.06M · min. income ≈ HK$39,382/mo (50% DSR)
Upfront cash ≈ HK$520K (deposit + AVD stamp duty HK$68,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,614
−HK$1,113/mo
▼ 0.25% · 3.875%
HK$21,167
−HK$560/mo
Today · 4.125%
HK$21,727
baseline
▲ 0.50% · 4.625%
HK$22,873
+HK$1,146/mo
Deposit HK$451K · loan HK$4.06M · min. income ≈ HK$43,454/mo (50% DSR)
Upfront cash ≈ HK$520K (deposit + AVD stamp duty HK$68,946 · 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).