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$10,236
−HK$641/mo
▼ 0.25% · 3.875%
HK$10,554
−HK$323/mo
Today · 4.125%
HK$10,877
baseline
▲ 0.50% · 4.625%
HK$11,539
+HK$662/mo
Deposit HK$2.24M · loan HK$2.24M · min. income ≈ HK$21,754/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$67,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,387
−HK$615/mo
▼ 0.25% · 3.875%
HK$11,692
−HK$310/mo
Today · 4.125%
HK$12,002
baseline
▲ 0.50% · 4.625%
HK$12,635
+HK$633/mo
Deposit HK$2.24M · loan HK$2.24M · min. income ≈ HK$24,004/mo (50% DSR)
Upfront cash ≈ HK$2.31M (deposit + AVD stamp duty HK$67,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,283
−HK$770/mo
▼ 0.25% · 3.875%
HK$12,665
−HK$388/mo
Today · 4.125%
HK$13,053
baseline
▲ 0.50% · 4.625%
HK$13,847
+HK$794/mo
Deposit HK$1.80M · loan HK$2.69M · min. income ≈ HK$26,106/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$67,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,664
−HK$739/mo
▼ 0.25% · 3.875%
HK$14,031
−HK$372/mo
Today · 4.125%
HK$14,403
baseline
▲ 0.50% · 4.625%
HK$15,162
+HK$759/mo
Deposit HK$1.80M · loan HK$2.69M · min. income ≈ HK$28,806/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$67,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,330
−HK$898/mo
▼ 0.25% · 3.875%
HK$14,776
−HK$452/mo
Today · 4.125%
HK$15,228
baseline
▲ 0.50% · 4.625%
HK$16,155
+HK$927/mo
Deposit HK$1.35M · loan HK$3.14M · min. income ≈ HK$30,456/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$67,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,942
−HK$861/mo
▼ 0.25% · 3.875%
HK$16,369
−HK$434/mo
Today · 4.125%
HK$16,803
baseline
▲ 0.50% · 4.625%
HK$17,689
+HK$886/mo
Deposit HK$1.35M · loan HK$3.14M · min. income ≈ HK$33,606/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$67,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,424
−HK$1,155/mo
▼ 0.25% · 3.875%
HK$18,997
−HK$582/mo
Today · 4.125%
HK$19,579
baseline
▲ 0.50% · 4.625%
HK$20,771
+HK$1,192/mo
Deposit HK$449K · loan HK$4.04M · min. income ≈ HK$39,158/mo (50% DSR)
Upfront cash ≈ HK$516K (deposit + AVD stamp duty HK$67,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,497
−HK$1,107/mo
▼ 0.25% · 3.875%
HK$21,046
−HK$558/mo
Today · 4.125%
HK$21,604
baseline
▲ 0.50% · 4.625%
HK$22,743
+HK$1,139/mo
Deposit HK$449K · loan HK$4.04M · min. income ≈ HK$43,208/mo (50% DSR)
Upfront cash ≈ HK$516K (deposit + AVD stamp duty HK$67,332 · 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).