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$10,393
−HK$652/mo
▼ 0.25% · 3.875%
HK$10,717
−HK$328/mo
Today · 4.125%
HK$11,045
baseline
▲ 0.50% · 4.625%
HK$11,717
+HK$672/mo
Deposit HK$2.28M · loan HK$2.28M · min. income ≈ HK$22,090/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$73,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,563
−HK$624/mo
▼ 0.25% · 3.875%
HK$11,873
−HK$314/mo
Today · 4.125%
HK$12,187
baseline
▲ 0.50% · 4.625%
HK$12,830
+HK$643/mo
Deposit HK$2.28M · loan HK$2.28M · min. income ≈ HK$24,374/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$73,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,472
−HK$782/mo
▼ 0.25% · 3.875%
HK$12,860
−HK$394/mo
Today · 4.125%
HK$13,254
baseline
▲ 0.50% · 4.625%
HK$14,061
+HK$807/mo
Deposit HK$1.82M · loan HK$2.73M · min. income ≈ HK$26,508/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$73,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,875
−HK$750/mo
▼ 0.25% · 3.875%
HK$14,247
−HK$378/mo
Today · 4.125%
HK$14,625
baseline
▲ 0.50% · 4.625%
HK$15,396
+HK$771/mo
Deposit HK$1.82M · loan HK$2.73M · min. income ≈ HK$29,250/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$73,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,551
−HK$912/mo
▼ 0.25% · 3.875%
HK$15,003
−HK$460/mo
Today · 4.125%
HK$15,463
baseline
▲ 0.50% · 4.625%
HK$16,404
+HK$941/mo
Deposit HK$1.37M · loan HK$3.19M · min. income ≈ HK$30,926/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$73,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,188
−HK$874/mo
▼ 0.25% · 3.875%
HK$16,622
−HK$440/mo
Today · 4.125%
HK$17,062
baseline
▲ 0.50% · 4.625%
HK$17,962
+HK$900/mo
Deposit HK$1.37M · loan HK$3.19M · min. income ≈ HK$34,124/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$73,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,708
−HK$1,173/mo
▼ 0.25% · 3.875%
HK$19,290
−HK$591/mo
Today · 4.125%
HK$19,881
baseline
▲ 0.50% · 4.625%
HK$21,091
+HK$1,210/mo
Deposit HK$456K · loan HK$4.10M · min. income ≈ HK$39,762/mo (50% DSR)
Upfront cash ≈ HK$529K (deposit + AVD stamp duty HK$73,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,813
−HK$1,124/mo
▼ 0.25% · 3.875%
HK$21,371
−HK$566/mo
Today · 4.125%
HK$21,937
baseline
▲ 0.50% · 4.625%
HK$23,094
+HK$1,157/mo
Deposit HK$456K · loan HK$4.10M · min. income ≈ HK$43,874/mo (50% DSR)
Upfront cash ≈ HK$529K (deposit + AVD stamp duty HK$73,303 · 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).