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$9,886
−HK$620/mo
▼ 0.25% · 3.875%
HK$10,194
−HK$312/mo
Today · 4.125%
HK$10,506
baseline
▲ 0.50% · 4.625%
HK$11,145
+HK$639/mo
Deposit HK$2.17M · loan HK$2.17M · min. income ≈ HK$21,012/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$65,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,998
−HK$594/mo
▼ 0.25% · 3.875%
HK$11,293
−HK$299/mo
Today · 4.125%
HK$11,592
baseline
▲ 0.50% · 4.625%
HK$12,203
+HK$611/mo
Deposit HK$2.17M · loan HK$2.17M · min. income ≈ HK$23,184/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$65,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,863
−HK$744/mo
▼ 0.25% · 3.875%
HK$12,232
−HK$375/mo
Today · 4.125%
HK$12,607
baseline
▲ 0.50% · 4.625%
HK$13,374
+HK$767/mo
Deposit HK$1.73M · loan HK$2.60M · min. income ≈ HK$25,214/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$65,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,198
−HK$713/mo
▼ 0.25% · 3.875%
HK$13,552
−HK$359/mo
Today · 4.125%
HK$13,911
baseline
▲ 0.50% · 4.625%
HK$14,644
+HK$733/mo
Deposit HK$1.73M · loan HK$2.60M · min. income ≈ HK$27,822/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$65,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,841
−HK$867/mo
▼ 0.25% · 3.875%
HK$14,271
−HK$437/mo
Today · 4.125%
HK$14,708
baseline
▲ 0.50% · 4.625%
HK$15,603
+HK$895/mo
Deposit HK$1.30M · loan HK$3.03M · min. income ≈ HK$29,416/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$65,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,397
−HK$832/mo
▼ 0.25% · 3.875%
HK$15,810
−HK$419/mo
Today · 4.125%
HK$16,229
baseline
▲ 0.50% · 4.625%
HK$17,085
+HK$856/mo
Deposit HK$1.30M · loan HK$3.03M · min. income ≈ HK$32,458/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$65,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,795
−HK$1,116/mo
▼ 0.25% · 3.875%
HK$18,349
−HK$562/mo
Today · 4.125%
HK$18,911
baseline
▲ 0.50% · 4.625%
HK$20,062
+HK$1,151/mo
Deposit HK$434K · loan HK$3.90M · min. income ≈ HK$37,822/mo (50% DSR)
Upfront cash ≈ HK$499K (deposit + AVD stamp duty HK$65,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,797
−HK$1,069/mo
▼ 0.25% · 3.875%
HK$20,328
−HK$538/mo
Today · 4.125%
HK$20,866
baseline
▲ 0.50% · 4.625%
HK$21,966
+HK$1,100/mo
Deposit HK$434K · loan HK$3.90M · min. income ≈ HK$41,732/mo (50% DSR)
Upfront cash ≈ HK$499K (deposit + AVD stamp duty HK$65,033 · 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).