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$9,905
−HK$621/mo
▼ 0.25% · 3.875%
HK$10,213
−HK$313/mo
Today · 4.125%
HK$10,526
baseline
▲ 0.50% · 4.625%
HK$11,167
+HK$641/mo
Deposit HK$2.17M · loan HK$2.17M · min. income ≈ HK$21,052/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$65,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,019
−HK$595/mo
▼ 0.25% · 3.875%
HK$11,315
−HK$299/mo
Today · 4.125%
HK$11,614
baseline
▲ 0.50% · 4.625%
HK$12,227
+HK$613/mo
Deposit HK$2.17M · loan HK$2.17M · min. income ≈ HK$23,228/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$65,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,886
−HK$745/mo
▼ 0.25% · 3.875%
HK$12,256
−HK$375/mo
Today · 4.125%
HK$12,631
baseline
▲ 0.50% · 4.625%
HK$13,400
+HK$769/mo
Deposit HK$1.74M · loan HK$2.61M · min. income ≈ HK$25,262/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$65,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,223
−HK$714/mo
▼ 0.25% · 3.875%
HK$13,578
−HK$359/mo
Today · 4.125%
HK$13,937
baseline
▲ 0.50% · 4.625%
HK$14,672
+HK$735/mo
Deposit HK$1.74M · loan HK$2.61M · min. income ≈ HK$27,874/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$65,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,867
−HK$869/mo
▼ 0.25% · 3.875%
HK$14,298
−HK$438/mo
Today · 4.125%
HK$14,736
baseline
▲ 0.50% · 4.625%
HK$15,633
+HK$897/mo
Deposit HK$1.30M · loan HK$3.04M · min. income ≈ HK$29,472/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$65,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,427
−HK$833/mo
▼ 0.25% · 3.875%
HK$15,841
−HK$419/mo
Today · 4.125%
HK$16,260
baseline
▲ 0.50% · 4.625%
HK$17,117
+HK$857/mo
Deposit HK$1.30M · loan HK$3.04M · min. income ≈ HK$32,520/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$65,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,829
−HK$1,118/mo
▼ 0.25% · 3.875%
HK$18,383
−HK$564/mo
Today · 4.125%
HK$18,947
baseline
▲ 0.50% · 4.625%
HK$20,100
+HK$1,153/mo
Deposit HK$434K · loan HK$3.91M · min. income ≈ HK$37,894/mo (50% DSR)
Upfront cash ≈ HK$500K (deposit + AVD stamp duty HK$65,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,834
−HK$1,072/mo
▼ 0.25% · 3.875%
HK$20,366
−HK$540/mo
Today · 4.125%
HK$20,906
baseline
▲ 0.50% · 4.625%
HK$22,008
+HK$1,102/mo
Deposit HK$434K · loan HK$3.91M · min. income ≈ HK$41,812/mo (50% DSR)
Upfront cash ≈ HK$500K (deposit + AVD stamp duty HK$65,157 · 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).