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$9,920
−HK$622/mo
▼ 0.25% · 3.875%
HK$10,228
−HK$314/mo
Today · 4.125%
HK$10,542
baseline
▲ 0.50% · 4.625%
HK$11,183
+HK$641/mo
Deposit HK$2.18M · loan HK$2.18M · min. income ≈ HK$21,084/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$65,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,036
−HK$596/mo
▼ 0.25% · 3.875%
HK$11,332
−HK$300/mo
Today · 4.125%
HK$11,632
baseline
▲ 0.50% · 4.625%
HK$12,245
+HK$613/mo
Deposit HK$2.18M · loan HK$2.18M · min. income ≈ HK$23,264/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$65,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,904
−HK$746/mo
▼ 0.25% · 3.875%
HK$12,274
−HK$376/mo
Today · 4.125%
HK$12,650
baseline
▲ 0.50% · 4.625%
HK$13,420
+HK$770/mo
Deposit HK$1.74M · loan HK$2.61M · min. income ≈ HK$25,300/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$65,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,243
−HK$715/mo
▼ 0.25% · 3.875%
HK$13,598
−HK$360/mo
Today · 4.125%
HK$13,958
baseline
▲ 0.50% · 4.625%
HK$14,694
+HK$736/mo
Deposit HK$1.74M · loan HK$2.61M · min. income ≈ HK$27,916/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$65,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,888
−HK$871/mo
▼ 0.25% · 3.875%
HK$14,320
−HK$439/mo
Today · 4.125%
HK$14,759
baseline
▲ 0.50% · 4.625%
HK$15,657
+HK$898/mo
Deposit HK$1.31M · loan HK$3.05M · min. income ≈ HK$29,518/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$65,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,450
−HK$835/mo
▼ 0.25% · 3.875%
HK$15,865
−HK$420/mo
Today · 4.125%
HK$16,285
baseline
▲ 0.50% · 4.625%
HK$17,143
+HK$858/mo
Deposit HK$1.31M · loan HK$3.05M · min. income ≈ HK$32,570/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$65,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,856
−HK$1,120/mo
▼ 0.25% · 3.875%
HK$18,411
−HK$565/mo
Today · 4.125%
HK$18,976
baseline
▲ 0.50% · 4.625%
HK$20,130
+HK$1,154/mo
Deposit HK$435K · loan HK$3.92M · min. income ≈ HK$37,952/mo (50% DSR)
Upfront cash ≈ HK$500K (deposit + AVD stamp duty HK$65,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,864
−HK$1,074/mo
▼ 0.25% · 3.875%
HK$20,397
−HK$541/mo
Today · 4.125%
HK$20,938
baseline
▲ 0.50% · 4.625%
HK$22,041
+HK$1,103/mo
Deposit HK$435K · loan HK$3.92M · min. income ≈ HK$41,876/mo (50% DSR)
Upfront cash ≈ HK$500K (deposit + AVD stamp duty HK$65,256 · 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).