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$623/mo
▼ 0.25% · 3.875%
HK$10,240
−HK$314/mo
Today · 4.125%
HK$10,554
baseline
▲ 0.50% · 4.625%
HK$11,196
+HK$642/mo
Deposit HK$2.18M · loan HK$2.18M · min. income ≈ HK$21,108/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$65,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,049
−HK$596/mo
▼ 0.25% · 3.875%
HK$11,345
−HK$300/mo
Today · 4.125%
HK$11,645
baseline
▲ 0.50% · 4.625%
HK$12,259
+HK$614/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$65,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,918
−HK$747/mo
▼ 0.25% · 3.875%
HK$12,288
−HK$377/mo
Today · 4.125%
HK$12,665
baseline
▲ 0.50% · 4.625%
HK$13,436
+HK$771/mo
Deposit HK$1.74M · loan HK$2.61M · min. income ≈ HK$25,330/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$65,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,258
−HK$717/mo
▼ 0.25% · 3.875%
HK$13,614
−HK$361/mo
Today · 4.125%
HK$13,975
baseline
▲ 0.50% · 4.625%
HK$14,711
+HK$736/mo
Deposit HK$1.74M · loan HK$2.61M · min. income ≈ HK$27,950/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$65,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,904
−HK$872/mo
▼ 0.25% · 3.875%
HK$14,336
−HK$440/mo
Today · 4.125%
HK$14,776
baseline
▲ 0.50% · 4.625%
HK$15,675
+HK$899/mo
Deposit HK$1.31M · loan HK$3.05M · min. income ≈ HK$29,552/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$65,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,468
−HK$836/mo
▼ 0.25% · 3.875%
HK$15,883
−HK$421/mo
Today · 4.125%
HK$16,304
baseline
▲ 0.50% · 4.625%
HK$17,163
+HK$859/mo
Deposit HK$1.31M · loan HK$3.05M · min. income ≈ HK$32,608/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$65,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,876
−HK$1,121/mo
▼ 0.25% · 3.875%
HK$18,433
−HK$564/mo
Today · 4.125%
HK$18,997
baseline
▲ 0.50% · 4.625%
HK$20,153
+HK$1,156/mo
Deposit HK$436K · loan HK$3.92M · min. income ≈ HK$37,994/mo (50% DSR)
Upfront cash ≈ HK$501K (deposit + AVD stamp duty HK$65,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,887
−HK$1,075/mo
▼ 0.25% · 3.875%
HK$20,421
−HK$541/mo
Today · 4.125%
HK$20,962
baseline
▲ 0.50% · 4.625%
HK$22,067
+HK$1,105/mo
Deposit HK$436K · loan HK$3.92M · min. income ≈ HK$41,924/mo (50% DSR)
Upfront cash ≈ HK$501K (deposit + AVD stamp duty HK$65,331 · 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).