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$10,463
−HK$656/mo
▼ 0.25% · 3.875%
HK$10,789
−HK$330/mo
Today · 4.125%
HK$11,119
baseline
▲ 0.50% · 4.625%
HK$11,796
+HK$677/mo
Deposit HK$2.29M · loan HK$2.29M · min. income ≈ HK$22,238/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$76,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,640
−HK$629/mo
▼ 0.25% · 3.875%
HK$11,952
−HK$317/mo
Today · 4.125%
HK$12,269
baseline
▲ 0.50% · 4.625%
HK$12,916
+HK$647/mo
Deposit HK$2.29M · loan HK$2.29M · min. income ≈ HK$24,538/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$76,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,556
−HK$787/mo
▼ 0.25% · 3.875%
HK$12,946
−HK$397/mo
Today · 4.125%
HK$13,343
baseline
▲ 0.50% · 4.625%
HK$14,155
+HK$812/mo
Deposit HK$1.84M · loan HK$2.75M · min. income ≈ HK$26,686/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$76,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,968
−HK$755/mo
▼ 0.25% · 3.875%
HK$14,343
−HK$380/mo
Today · 4.125%
HK$14,723
baseline
▲ 0.50% · 4.625%
HK$15,499
+HK$776/mo
Deposit HK$1.84M · loan HK$2.75M · min. income ≈ HK$29,446/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$76,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,648
−HK$919/mo
▼ 0.25% · 3.875%
HK$15,104
−HK$463/mo
Today · 4.125%
HK$15,567
baseline
▲ 0.50% · 4.625%
HK$16,514
+HK$947/mo
Deposit HK$1.38M · loan HK$3.21M · min. income ≈ HK$31,134/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$76,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,296
−HK$881/mo
▼ 0.25% · 3.875%
HK$16,733
−HK$444/mo
Today · 4.125%
HK$17,177
baseline
▲ 0.50% · 4.625%
HK$18,082
+HK$905/mo
Deposit HK$1.38M · loan HK$3.21M · min. income ≈ HK$34,354/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$76,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,834
−HK$1,181/mo
▼ 0.25% · 3.875%
HK$19,419
−HK$596/mo
Today · 4.125%
HK$20,015
baseline
▲ 0.50% · 4.625%
HK$21,232
+HK$1,217/mo
Deposit HK$459K · loan HK$4.13M · min. income ≈ HK$40,030/mo (50% DSR)
Upfront cash ≈ HK$535K (deposit + AVD stamp duty HK$76,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,952
−HK$1,132/mo
▼ 0.25% · 3.875%
HK$21,514
−HK$570/mo
Today · 4.125%
HK$22,084
baseline
▲ 0.50% · 4.625%
HK$23,248
+HK$1,164/mo
Deposit HK$459K · loan HK$4.13M · min. income ≈ HK$44,168/mo (50% DSR)
Upfront cash ≈ HK$535K (deposit + AVD stamp duty HK$76,355 · 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).