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$9,901
−HK$621/mo
▼ 0.25% · 3.875%
HK$10,209
−HK$313/mo
Today · 4.125%
HK$10,522
baseline
▲ 0.50% · 4.625%
HK$11,163
+HK$641/mo
Deposit HK$2.17M · loan HK$2.17M · min. income ≈ HK$21,044/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$65,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,015
−HK$595/mo
▼ 0.25% · 3.875%
HK$11,311
−HK$299/mo
Today · 4.125%
HK$11,610
baseline
▲ 0.50% · 4.625%
HK$12,222
+HK$612/mo
Deposit HK$2.17M · loan HK$2.17M · min. income ≈ HK$23,220/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$65,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,882
−HK$745/mo
▼ 0.25% · 3.875%
HK$12,251
−HK$376/mo
Today · 4.125%
HK$12,627
baseline
▲ 0.50% · 4.625%
HK$13,395
+HK$768/mo
Deposit HK$1.74M · loan HK$2.61M · min. income ≈ HK$25,254/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$65,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,218
−HK$714/mo
▼ 0.25% · 3.875%
HK$13,573
−HK$359/mo
Today · 4.125%
HK$13,932
baseline
▲ 0.50% · 4.625%
HK$14,667
+HK$735/mo
Deposit HK$1.74M · loan HK$2.61M · min. income ≈ HK$27,864/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$65,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,862
−HK$869/mo
▼ 0.25% · 3.875%
HK$14,293
−HK$438/mo
Today · 4.125%
HK$14,731
baseline
▲ 0.50% · 4.625%
HK$15,628
+HK$897/mo
Deposit HK$1.30M · loan HK$3.04M · min. income ≈ HK$29,462/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$65,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,421
−HK$834/mo
▼ 0.25% · 3.875%
HK$15,835
−HK$420/mo
Today · 4.125%
HK$16,255
baseline
▲ 0.50% · 4.625%
HK$17,111
+HK$856/mo
Deposit HK$1.30M · loan HK$3.04M · min. income ≈ HK$32,510/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$65,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,823
−HK$1,117/mo
▼ 0.25% · 3.875%
HK$18,377
−HK$563/mo
Today · 4.125%
HK$18,940
baseline
▲ 0.50% · 4.625%
HK$20,093
+HK$1,153/mo
Deposit HK$434K · loan HK$3.91M · min. income ≈ HK$37,880/mo (50% DSR)
Upfront cash ≈ HK$499K (deposit + AVD stamp duty HK$65,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,828
−HK$1,071/mo
▼ 0.25% · 3.875%
HK$20,359
−HK$540/mo
Today · 4.125%
HK$20,899
baseline
▲ 0.50% · 4.625%
HK$22,000
+HK$1,101/mo
Deposit HK$434K · loan HK$3.91M · min. income ≈ HK$41,798/mo (50% DSR)
Upfront cash ≈ HK$499K (deposit + AVD stamp duty HK$65,134 · 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).