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$9,931
−HK$622/mo
▼ 0.25% · 3.875%
HK$10,240
−HK$313/mo
Today · 4.125%
HK$10,553
baseline
▲ 0.50% · 4.625%
HK$11,196
+HK$643/mo
Deposit HK$2.18M · loan HK$2.18M · min. income ≈ HK$21,106/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$65,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,048
−HK$597/mo
▼ 0.25% · 3.875%
HK$11,344
−HK$301/mo
Today · 4.125%
HK$11,645
baseline
▲ 0.50% · 4.625%
HK$12,258
+HK$613/mo
Deposit HK$2.18M · loan HK$2.18M · min. income ≈ HK$23,290/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$65,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,917
−HK$747/mo
▼ 0.25% · 3.875%
HK$12,288
−HK$376/mo
Today · 4.125%
HK$12,664
baseline
▲ 0.50% · 4.625%
HK$13,435
+HK$771/mo
Deposit HK$1.74M · loan HK$2.61M · min. income ≈ HK$25,328/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$65,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,257
−HK$717/mo
▼ 0.25% · 3.875%
HK$13,613
−HK$361/mo
Today · 4.125%
HK$13,974
baseline
▲ 0.50% · 4.625%
HK$14,710
+HK$736/mo
Deposit HK$1.74M · loan HK$2.61M · min. income ≈ HK$27,948/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$65,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,903
−HK$872/mo
▼ 0.25% · 3.875%
HK$14,335
−HK$440/mo
Today · 4.125%
HK$14,775
baseline
▲ 0.50% · 4.625%
HK$15,674
+HK$899/mo
Deposit HK$1.31M · loan HK$3.05M · min. income ≈ HK$29,550/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$65,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,467
−HK$836/mo
▼ 0.25% · 3.875%
HK$15,882
−HK$421/mo
Today · 4.125%
HK$16,303
baseline
▲ 0.50% · 4.625%
HK$17,162
+HK$859/mo
Deposit HK$1.31M · loan HK$3.05M · min. income ≈ HK$32,606/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$65,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,875
−HK$1,121/mo
▼ 0.25% · 3.875%
HK$18,431
−HK$565/mo
Today · 4.125%
HK$18,996
baseline
▲ 0.50% · 4.625%
HK$20,152
+HK$1,156/mo
Deposit HK$436K · loan HK$3.92M · min. income ≈ HK$37,992/mo (50% DSR)
Upfront cash ≈ HK$501K (deposit + AVD stamp duty HK$65,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,886
−HK$1,074/mo
▼ 0.25% · 3.875%
HK$20,419
−HK$541/mo
Today · 4.125%
HK$20,960
baseline
▲ 0.50% · 4.625%
HK$22,065
+HK$1,105/mo
Deposit HK$436K · loan HK$3.92M · min. income ≈ HK$41,920/mo (50% DSR)
Upfront cash ≈ HK$501K (deposit + AVD stamp duty HK$65,327 · 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).