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$9,885
−HK$619/mo
▼ 0.25% · 3.875%
HK$10,192
−HK$312/mo
Today · 4.125%
HK$10,504
baseline
▲ 0.50% · 4.625%
HK$11,144
+HK$640/mo
Deposit HK$2.17M · loan HK$2.17M · min. income ≈ HK$21,008/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$65,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,996
−HK$595/mo
▼ 0.25% · 3.875%
HK$11,291
−HK$300/mo
Today · 4.125%
HK$11,591
baseline
▲ 0.50% · 4.625%
HK$12,202
+HK$611/mo
Deposit HK$2.17M · loan HK$2.17M · min. income ≈ HK$23,182/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$65,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,861
−HK$744/mo
▼ 0.25% · 3.875%
HK$12,230
−HK$375/mo
Today · 4.125%
HK$12,605
baseline
▲ 0.50% · 4.625%
HK$13,372
+HK$767/mo
Deposit HK$1.73M · loan HK$2.60M · min. income ≈ HK$25,210/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$65,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,196
−HK$713/mo
▼ 0.25% · 3.875%
HK$13,550
−HK$359/mo
Today · 4.125%
HK$13,909
baseline
▲ 0.50% · 4.625%
HK$14,642
+HK$733/mo
Deposit HK$1.73M · loan HK$2.60M · min. income ≈ HK$27,818/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$65,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,838
−HK$868/mo
▼ 0.25% · 3.875%
HK$14,269
−HK$437/mo
Today · 4.125%
HK$14,706
baseline
▲ 0.50% · 4.625%
HK$15,601
+HK$895/mo
Deposit HK$1.30M · loan HK$3.03M · min. income ≈ HK$29,412/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$65,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,395
−HK$832/mo
▼ 0.25% · 3.875%
HK$15,808
−HK$419/mo
Today · 4.125%
HK$16,227
baseline
▲ 0.50% · 4.625%
HK$17,082
+HK$855/mo
Deposit HK$1.30M · loan HK$3.03M · min. income ≈ HK$32,454/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$65,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,792
−HK$1,116/mo
▼ 0.25% · 3.875%
HK$18,346
−HK$562/mo
Today · 4.125%
HK$18,908
baseline
▲ 0.50% · 4.625%
HK$20,058
+HK$1,150/mo
Deposit HK$433K · loan HK$3.90M · min. income ≈ HK$37,816/mo (50% DSR)
Upfront cash ≈ HK$499K (deposit + AVD stamp duty HK$65,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,794
−HK$1,069/mo
▼ 0.25% · 3.875%
HK$20,325
−HK$538/mo
Today · 4.125%
HK$20,863
baseline
▲ 0.50% · 4.625%
HK$21,963
+HK$1,100/mo
Deposit HK$433K · loan HK$3.90M · min. income ≈ HK$41,726/mo (50% DSR)
Upfront cash ≈ HK$499K (deposit + AVD stamp duty HK$65,023 · 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).