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$9,874
−HK$619/mo
▼ 0.25% · 3.875%
HK$10,181
−HK$312/mo
Today · 4.125%
HK$10,493
baseline
▲ 0.50% · 4.625%
HK$11,131
+HK$638/mo
Deposit HK$2.17M · loan HK$2.17M · min. income ≈ HK$20,986/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$64,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,984
−HK$594/mo
▼ 0.25% · 3.875%
HK$11,279
−HK$299/mo
Today · 4.125%
HK$11,578
baseline
▲ 0.50% · 4.625%
HK$12,188
+HK$610/mo
Deposit HK$2.17M · loan HK$2.17M · min. income ≈ HK$23,156/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$64,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,848
−HK$743/mo
▼ 0.25% · 3.875%
HK$12,217
−HK$374/mo
Today · 4.125%
HK$12,591
baseline
▲ 0.50% · 4.625%
HK$13,358
+HK$767/mo
Deposit HK$1.73M · loan HK$2.60M · min. income ≈ HK$25,182/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$64,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,181
−HK$712/mo
▼ 0.25% · 3.875%
HK$13,535
−HK$358/mo
Today · 4.125%
HK$13,893
baseline
▲ 0.50% · 4.625%
HK$14,626
+HK$733/mo
Deposit HK$1.73M · loan HK$2.60M · min. income ≈ HK$27,786/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$64,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,823
−HK$867/mo
▼ 0.25% · 3.875%
HK$14,253
−HK$437/mo
Today · 4.125%
HK$14,690
baseline
▲ 0.50% · 4.625%
HK$15,584
+HK$894/mo
Deposit HK$1.30M · loan HK$3.03M · min. income ≈ HK$29,380/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$64,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,378
−HK$831/mo
▼ 0.25% · 3.875%
HK$15,790
−HK$419/mo
Today · 4.125%
HK$16,209
baseline
▲ 0.50% · 4.625%
HK$17,063
+HK$854/mo
Deposit HK$1.30M · loan HK$3.03M · min. income ≈ HK$32,418/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$64,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,773
−HK$1,114/mo
▼ 0.25% · 3.875%
HK$18,325
−HK$562/mo
Today · 4.125%
HK$18,887
baseline
▲ 0.50% · 4.625%
HK$20,036
+HK$1,149/mo
Deposit HK$433K · loan HK$3.90M · min. income ≈ HK$37,774/mo (50% DSR)
Upfront cash ≈ HK$498K (deposit + AVD stamp duty HK$64,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,772
−HK$1,068/mo
▼ 0.25% · 3.875%
HK$20,302
−HK$538/mo
Today · 4.125%
HK$20,840
baseline
▲ 0.50% · 4.625%
HK$21,939
+HK$1,099/mo
Deposit HK$433K · loan HK$3.90M · min. income ≈ HK$41,680/mo (50% DSR)
Upfront cash ≈ HK$498K (deposit + AVD stamp duty HK$64,951 · 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).