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$9,883
−HK$620/mo
▼ 0.25% · 3.875%
HK$10,191
−HK$312/mo
Today · 4.125%
HK$10,503
baseline
▲ 0.50% · 4.625%
HK$11,142
+HK$639/mo
Deposit HK$2.17M · loan HK$2.17M · min. income ≈ HK$21,006/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$65,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,995
−HK$594/mo
▼ 0.25% · 3.875%
HK$11,290
−HK$299/mo
Today · 4.125%
HK$11,589
baseline
▲ 0.50% · 4.625%
HK$12,200
+HK$611/mo
Deposit HK$2.17M · loan HK$2.17M · min. income ≈ HK$23,178/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$65,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,860
−HK$744/mo
▼ 0.25% · 3.875%
HK$12,229
−HK$375/mo
Today · 4.125%
HK$12,604
baseline
▲ 0.50% · 4.625%
HK$13,371
+HK$767/mo
Deposit HK$1.73M · loan HK$2.60M · min. income ≈ HK$25,208/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$65,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,194
−HK$713/mo
▼ 0.25% · 3.875%
HK$13,548
−HK$359/mo
Today · 4.125%
HK$13,907
baseline
▲ 0.50% · 4.625%
HK$14,640
+HK$733/mo
Deposit HK$1.73M · loan HK$2.60M · min. income ≈ HK$27,814/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$65,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,837
−HK$867/mo
▼ 0.25% · 3.875%
HK$14,267
−HK$437/mo
Today · 4.125%
HK$14,704
baseline
▲ 0.50% · 4.625%
HK$15,599
+HK$895/mo
Deposit HK$1.30M · loan HK$3.03M · min. income ≈ HK$29,408/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$65,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,393
−HK$832/mo
▼ 0.25% · 3.875%
HK$15,806
−HK$419/mo
Today · 4.125%
HK$16,225
baseline
▲ 0.50% · 4.625%
HK$17,080
+HK$855/mo
Deposit HK$1.30M · loan HK$3.03M · min. income ≈ HK$32,450/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$65,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,790
−HK$1,116/mo
▼ 0.25% · 3.875%
HK$18,344
−HK$562/mo
Today · 4.125%
HK$18,906
baseline
▲ 0.50% · 4.625%
HK$20,056
+HK$1,150/mo
Deposit HK$433K · loan HK$3.90M · min. income ≈ HK$37,812/mo (50% DSR)
Upfront cash ≈ HK$498K (deposit + AVD stamp duty HK$65,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,791
−HK$1,070/mo
▼ 0.25% · 3.875%
HK$20,322
−HK$539/mo
Today · 4.125%
HK$20,861
baseline
▲ 0.50% · 4.625%
HK$21,960
+HK$1,099/mo
Deposit HK$433K · loan HK$3.90M · min. income ≈ HK$41,722/mo (50% DSR)
Upfront cash ≈ HK$498K (deposit + AVD stamp duty HK$65,016 · 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).