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$10,148
−HK$636/mo
▼ 0.25% · 3.875%
HK$10,464
−HK$320/mo
Today · 4.125%
HK$10,784
baseline
▲ 0.50% · 4.625%
HK$11,441
+HK$657/mo
Deposit HK$2.23M · loan HK$2.23M · min. income ≈ HK$21,568/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$66,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,290
−HK$610/mo
▼ 0.25% · 3.875%
HK$11,592
−HK$308/mo
Today · 4.125%
HK$11,900
baseline
▲ 0.50% · 4.625%
HK$12,527
+HK$627/mo
Deposit HK$2.23M · loan HK$2.23M · min. income ≈ HK$23,800/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$66,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,178
−HK$763/mo
▼ 0.25% · 3.875%
HK$12,556
−HK$385/mo
Today · 4.125%
HK$12,941
baseline
▲ 0.50% · 4.625%
HK$13,729
+HK$788/mo
Deposit HK$1.78M · loan HK$2.67M · min. income ≈ HK$25,882/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$66,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,547
−HK$732/mo
▼ 0.25% · 3.875%
HK$13,911
−HK$368/mo
Today · 4.125%
HK$14,279
baseline
▲ 0.50% · 4.625%
HK$15,032
+HK$753/mo
Deposit HK$1.78M · loan HK$2.67M · min. income ≈ HK$28,558/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$66,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,207
−HK$891/mo
▼ 0.25% · 3.875%
HK$14,649
−HK$449/mo
Today · 4.125%
HK$15,098
baseline
▲ 0.50% · 4.625%
HK$16,017
+HK$919/mo
Deposit HK$1.34M · loan HK$3.12M · min. income ≈ HK$30,196/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$66,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,805
−HK$854/mo
▼ 0.25% · 3.875%
HK$16,229
−HK$430/mo
Today · 4.125%
HK$16,659
baseline
▲ 0.50% · 4.625%
HK$17,537
+HK$878/mo
Deposit HK$1.34M · loan HK$3.12M · min. income ≈ HK$33,318/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$66,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,266
−HK$1,146/mo
▼ 0.25% · 3.875%
HK$18,835
−HK$577/mo
Today · 4.125%
HK$19,412
baseline
▲ 0.50% · 4.625%
HK$20,593
+HK$1,181/mo
Deposit HK$445K · loan HK$4.01M · min. income ≈ HK$38,824/mo (50% DSR)
Upfront cash ≈ HK$512K (deposit + AVD stamp duty HK$66,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,321
−HK$1,098/mo
▼ 0.25% · 3.875%
HK$20,866
−HK$553/mo
Today · 4.125%
HK$21,419
baseline
▲ 0.50% · 4.625%
HK$22,548
+HK$1,129/mo
Deposit HK$445K · loan HK$4.01M · min. income ≈ HK$42,838/mo (50% DSR)
Upfront cash ≈ HK$512K (deposit + AVD stamp duty HK$66,756 · 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).