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$9,887
−HK$620/mo
▼ 0.25% · 3.875%
HK$10,195
−HK$312/mo
Today · 4.125%
HK$10,507
baseline
▲ 0.50% · 4.625%
HK$11,147
+HK$640/mo
Deposit HK$2.17M · loan HK$2.17M · min. income ≈ HK$21,014/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$65,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,000
−HK$594/mo
▼ 0.25% · 3.875%
HK$11,295
−HK$299/mo
Today · 4.125%
HK$11,594
baseline
▲ 0.50% · 4.625%
HK$12,205
+HK$611/mo
Deposit HK$2.17M · loan HK$2.17M · min. income ≈ HK$23,188/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$65,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,865
−HK$744/mo
▼ 0.25% · 3.875%
HK$12,234
−HK$375/mo
Today · 4.125%
HK$12,609
baseline
▲ 0.50% · 4.625%
HK$13,376
+HK$767/mo
Deposit HK$1.73M · loan HK$2.60M · min. income ≈ HK$25,218/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$65,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,200
−HK$713/mo
▼ 0.25% · 3.875%
HK$13,554
−HK$359/mo
Today · 4.125%
HK$13,913
baseline
▲ 0.50% · 4.625%
HK$14,646
+HK$733/mo
Deposit HK$1.73M · loan HK$2.60M · min. income ≈ HK$27,826/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$65,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,842
−HK$868/mo
▼ 0.25% · 3.875%
HK$14,273
−HK$437/mo
Today · 4.125%
HK$14,710
baseline
▲ 0.50% · 4.625%
HK$15,605
+HK$895/mo
Deposit HK$1.30M · loan HK$3.04M · min. income ≈ HK$29,420/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$65,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,399
−HK$832/mo
▼ 0.25% · 3.875%
HK$15,812
−HK$419/mo
Today · 4.125%
HK$16,231
baseline
▲ 0.50% · 4.625%
HK$17,087
+HK$856/mo
Deposit HK$1.30M · loan HK$3.04M · min. income ≈ HK$32,462/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$65,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,797
−HK$1,116/mo
▼ 0.25% · 3.875%
HK$18,351
−HK$562/mo
Today · 4.125%
HK$18,913
baseline
▲ 0.50% · 4.625%
HK$20,064
+HK$1,151/mo
Deposit HK$434K · loan HK$3.90M · min. income ≈ HK$37,826/mo (50% DSR)
Upfront cash ≈ HK$499K (deposit + AVD stamp duty HK$65,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,799
−HK$1,070/mo
▼ 0.25% · 3.875%
HK$20,330
−HK$539/mo
Today · 4.125%
HK$20,869
baseline
▲ 0.50% · 4.625%
HK$21,969
+HK$1,100/mo
Deposit HK$434K · loan HK$3.90M · min. income ≈ HK$41,738/mo (50% DSR)
Upfront cash ≈ HK$499K (deposit + AVD stamp duty HK$65,042 · 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).