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$10,404
−HK$652/mo
▼ 0.25% · 3.875%
HK$10,727
−HK$329/mo
Today · 4.125%
HK$11,056
baseline
▲ 0.50% · 4.625%
HK$11,729
+HK$673/mo
Deposit HK$2.28M · loan HK$2.28M · min. income ≈ HK$22,112/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$73,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,574
−HK$625/mo
▼ 0.25% · 3.875%
HK$11,885
−HK$314/mo
Today · 4.125%
HK$12,199
baseline
▲ 0.50% · 4.625%
HK$12,843
+HK$644/mo
Deposit HK$2.28M · loan HK$2.28M · min. income ≈ HK$24,398/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$73,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,485
−HK$782/mo
▼ 0.25% · 3.875%
HK$12,873
−HK$394/mo
Today · 4.125%
HK$13,267
baseline
▲ 0.50% · 4.625%
HK$14,075
+HK$808/mo
Deposit HK$1.83M · loan HK$2.74M · min. income ≈ HK$26,534/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$73,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,889
−HK$750/mo
▼ 0.25% · 3.875%
HK$14,261
−HK$378/mo
Today · 4.125%
HK$14,639
baseline
▲ 0.50% · 4.625%
HK$15,411
+HK$772/mo
Deposit HK$1.83M · loan HK$2.74M · min. income ≈ HK$29,278/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$73,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,565
−HK$914/mo
▼ 0.25% · 3.875%
HK$15,018
−HK$461/mo
Today · 4.125%
HK$15,479
baseline
▲ 0.50% · 4.625%
HK$16,421
+HK$942/mo
Deposit HK$1.37M · loan HK$3.19M · min. income ≈ HK$30,958/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$73,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,204
−HK$875/mo
▼ 0.25% · 3.875%
HK$16,638
−HK$441/mo
Today · 4.125%
HK$17,079
baseline
▲ 0.50% · 4.625%
HK$17,980
+HK$901/mo
Deposit HK$1.37M · loan HK$3.19M · min. income ≈ HK$34,158/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$73,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,727
−HK$1,174/mo
▼ 0.25% · 3.875%
HK$19,309
−HK$592/mo
Today · 4.125%
HK$19,901
baseline
▲ 0.50% · 4.625%
HK$21,112
+HK$1,211/mo
Deposit HK$456K · loan HK$4.11M · min. income ≈ HK$39,802/mo (50% DSR)
Upfront cash ≈ HK$530K (deposit + AVD stamp duty HK$73,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,833
−HK$1,126/mo
▼ 0.25% · 3.875%
HK$21,392
−HK$567/mo
Today · 4.125%
HK$21,959
baseline
▲ 0.50% · 4.625%
HK$23,117
+HK$1,158/mo
Deposit HK$456K · loan HK$4.11M · min. income ≈ HK$43,918/mo (50% DSR)
Upfront cash ≈ HK$530K (deposit + AVD stamp duty HK$73,757 · 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).