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$9,930
−HK$623/mo
▼ 0.25% · 3.875%
HK$10,239
−HK$314/mo
Today · 4.125%
HK$10,553
baseline
▲ 0.50% · 4.625%
HK$11,195
+HK$642/mo
Deposit HK$2.18M · loan HK$2.18M · min. income ≈ HK$21,106/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$65,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,047
−HK$597/mo
▼ 0.25% · 3.875%
HK$11,344
−HK$300/mo
Today · 4.125%
HK$11,644
baseline
▲ 0.50% · 4.625%
HK$12,258
+HK$614/mo
Deposit HK$2.18M · loan HK$2.18M · min. income ≈ HK$23,288/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$65,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,916
−HK$748/mo
▼ 0.25% · 3.875%
HK$12,287
−HK$377/mo
Today · 4.125%
HK$12,664
baseline
▲ 0.50% · 4.625%
HK$13,434
+HK$770/mo
Deposit HK$1.74M · loan HK$2.61M · min. income ≈ HK$25,328/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$65,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,257
−HK$716/mo
▼ 0.25% · 3.875%
HK$13,612
−HK$361/mo
Today · 4.125%
HK$13,973
baseline
▲ 0.50% · 4.625%
HK$14,710
+HK$737/mo
Deposit HK$1.74M · loan HK$2.61M · min. income ≈ HK$27,946/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$65,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,902
−HK$872/mo
▼ 0.25% · 3.875%
HK$14,335
−HK$439/mo
Today · 4.125%
HK$14,774
baseline
▲ 0.50% · 4.625%
HK$15,673
+HK$899/mo
Deposit HK$1.31M · loan HK$3.05M · min. income ≈ HK$29,548/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$65,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,466
−HK$836/mo
▼ 0.25% · 3.875%
HK$15,881
−HK$421/mo
Today · 4.125%
HK$16,302
baseline
▲ 0.50% · 4.625%
HK$17,161
+HK$859/mo
Deposit HK$1.31M · loan HK$3.05M · min. income ≈ HK$32,604/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$65,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,875
−HK$1,120/mo
▼ 0.25% · 3.875%
HK$18,431
−HK$564/mo
Today · 4.125%
HK$18,995
baseline
▲ 0.50% · 4.625%
HK$20,151
+HK$1,156/mo
Deposit HK$435K · loan HK$3.92M · min. income ≈ HK$37,990/mo (50% DSR)
Upfront cash ≈ HK$501K (deposit + AVD stamp duty HK$65,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,885
−HK$1,075/mo
▼ 0.25% · 3.875%
HK$20,419
−HK$541/mo
Today · 4.125%
HK$20,960
baseline
▲ 0.50% · 4.625%
HK$22,064
+HK$1,104/mo
Deposit HK$435K · loan HK$3.92M · min. income ≈ HK$41,920/mo (50% DSR)
Upfront cash ≈ HK$501K (deposit + AVD stamp duty HK$65,324 · 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).