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$10,229
−HK$313/mo
Today · 4.125%
HK$10,542
baseline
▲ 0.50% · 4.625%
HK$11,184
+HK$642/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$65,258 · 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$12,246
+HK$614/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$65,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,904
−HK$747/mo
▼ 0.25% · 3.875%
HK$12,275
−HK$376/mo
Today · 4.125%
HK$12,651
baseline
▲ 0.50% · 4.625%
HK$13,421
+HK$770/mo
Deposit HK$1.74M · loan HK$2.61M · min. income ≈ HK$25,302/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$65,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,243
−HK$716/mo
▼ 0.25% · 3.875%
HK$13,599
−HK$360/mo
Today · 4.125%
HK$13,959
baseline
▲ 0.50% · 4.625%
HK$14,695
+HK$736/mo
Deposit HK$1.74M · loan HK$2.61M · min. income ≈ HK$27,918/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$65,258 · 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$65,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,451
−HK$834/mo
▼ 0.25% · 3.875%
HK$15,865
−HK$420/mo
Today · 4.125%
HK$16,285
baseline
▲ 0.50% · 4.625%
HK$17,144
+HK$859/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$65,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,857
−HK$1,119/mo
▼ 0.25% · 3.875%
HK$18,412
−HK$564/mo
Today · 4.125%
HK$18,976
baseline
▲ 0.50% · 4.625%
HK$20,131
+HK$1,155/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$65,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,865
−HK$1,073/mo
▼ 0.25% · 3.875%
HK$20,398
−HK$540/mo
Today · 4.125%
HK$20,938
baseline
▲ 0.50% · 4.625%
HK$22,042
+HK$1,104/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$65,258 · 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).