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$9,923
−HK$622/mo
▼ 0.25% · 3.875%
HK$10,232
−HK$313/mo
Today · 4.125%
HK$10,545
baseline
▲ 0.50% · 4.625%
HK$11,187
+HK$642/mo
Deposit HK$2.18M · loan HK$2.18M · min. income ≈ HK$21,090/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$65,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,039
−HK$597/mo
▼ 0.25% · 3.875%
HK$11,335
−HK$301/mo
Today · 4.125%
HK$11,636
baseline
▲ 0.50% · 4.625%
HK$12,249
+HK$613/mo
Deposit HK$2.18M · loan HK$2.18M · min. income ≈ HK$23,272/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$65,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,908
−HK$746/mo
▼ 0.25% · 3.875%
HK$12,278
−HK$376/mo
Today · 4.125%
HK$12,654
baseline
▲ 0.50% · 4.625%
HK$13,424
+HK$770/mo
Deposit HK$1.74M · loan HK$2.61M · min. income ≈ HK$25,308/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$65,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,247
−HK$716/mo
▼ 0.25% · 3.875%
HK$13,602
−HK$361/mo
Today · 4.125%
HK$13,963
baseline
▲ 0.50% · 4.625%
HK$14,699
+HK$736/mo
Deposit HK$1.74M · loan HK$2.61M · min. income ≈ HK$27,926/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$65,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,892
−HK$871/mo
▼ 0.25% · 3.875%
HK$14,324
−HK$439/mo
Today · 4.125%
HK$14,763
baseline
▲ 0.50% · 4.625%
HK$15,662
+HK$899/mo
Deposit HK$1.31M · loan HK$3.05M · min. income ≈ HK$29,526/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$65,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,455
−HK$835/mo
▼ 0.25% · 3.875%
HK$15,870
−HK$420/mo
Today · 4.125%
HK$16,290
baseline
▲ 0.50% · 4.625%
HK$17,149
+HK$859/mo
Deposit HK$1.31M · loan HK$3.05M · min. income ≈ HK$32,580/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$65,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,861
−HK$1,121/mo
▼ 0.25% · 3.875%
HK$18,417
−HK$565/mo
Today · 4.125%
HK$18,982
baseline
▲ 0.50% · 4.625%
HK$20,137
+HK$1,155/mo
Deposit HK$435K · loan HK$3.92M · min. income ≈ HK$37,964/mo (50% DSR)
Upfront cash ≈ HK$500K (deposit + AVD stamp duty HK$65,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,871
−HK$1,073/mo
▼ 0.25% · 3.875%
HK$20,404
−HK$540/mo
Today · 4.125%
HK$20,944
baseline
▲ 0.50% · 4.625%
HK$22,048
+HK$1,104/mo
Deposit HK$435K · loan HK$3.92M · min. income ≈ HK$41,888/mo (50% DSR)
Upfront cash ≈ HK$500K (deposit + AVD stamp duty HK$65,276 · 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).