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$9,891
−HK$621/mo
▼ 0.25% · 3.875%
HK$10,199
−HK$313/mo
Today · 4.125%
HK$10,512
baseline
▲ 0.50% · 4.625%
HK$11,151
+HK$639/mo
Deposit HK$2.17M · loan HK$2.17M · min. income ≈ HK$21,024/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$65,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,004
−HK$595/mo
▼ 0.25% · 3.875%
HK$11,299
−HK$300/mo
Today · 4.125%
HK$11,599
baseline
▲ 0.50% · 4.625%
HK$12,210
+HK$611/mo
Deposit HK$2.17M · loan HK$2.17M · min. income ≈ HK$23,198/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$65,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,870
−HK$744/mo
▼ 0.25% · 3.875%
HK$12,239
−HK$375/mo
Today · 4.125%
HK$12,614
baseline
▲ 0.50% · 4.625%
HK$13,382
+HK$768/mo
Deposit HK$1.74M · loan HK$2.60M · min. income ≈ HK$25,228/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$65,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,205
−HK$713/mo
▼ 0.25% · 3.875%
HK$13,559
−HK$359/mo
Today · 4.125%
HK$13,918
baseline
▲ 0.50% · 4.625%
HK$14,652
+HK$734/mo
Deposit HK$1.74M · loan HK$2.60M · min. income ≈ HK$27,836/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$65,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,848
−HK$868/mo
▼ 0.25% · 3.875%
HK$14,279
−HK$437/mo
Today · 4.125%
HK$14,716
baseline
▲ 0.50% · 4.625%
HK$15,612
+HK$896/mo
Deposit HK$1.30M · loan HK$3.04M · min. income ≈ HK$29,432/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$65,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,406
−HK$832/mo
▼ 0.25% · 3.875%
HK$15,819
−HK$419/mo
Today · 4.125%
HK$16,238
baseline
▲ 0.50% · 4.625%
HK$17,094
+HK$856/mo
Deposit HK$1.30M · loan HK$3.04M · min. income ≈ HK$32,476/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$65,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,805
−HK$1,116/mo
▼ 0.25% · 3.875%
HK$18,358
−HK$563/mo
Today · 4.125%
HK$18,921
baseline
▲ 0.50% · 4.625%
HK$20,072
+HK$1,151/mo
Deposit HK$434K · loan HK$3.90M · min. income ≈ HK$37,842/mo (50% DSR)
Upfront cash ≈ HK$499K (deposit + AVD stamp duty HK$65,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,807
−HK$1,071/mo
▼ 0.25% · 3.875%
HK$20,339
−HK$539/mo
Today · 4.125%
HK$20,878
baseline
▲ 0.50% · 4.625%
HK$21,978
+HK$1,100/mo
Deposit HK$434K · loan HK$3.90M · min. income ≈ HK$41,756/mo (50% DSR)
Upfront cash ≈ HK$499K (deposit + AVD stamp duty HK$65,068 · 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).