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$9,906
−HK$621/mo
▼ 0.25% · 3.875%
HK$10,214
−HK$313/mo
Today · 4.125%
HK$10,527
baseline
▲ 0.50% · 4.625%
HK$11,167
+HK$640/mo
Deposit HK$2.17M · loan HK$2.17M · min. income ≈ HK$21,054/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$65,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,020
−HK$595/mo
▼ 0.25% · 3.875%
HK$11,316
−HK$299/mo
Today · 4.125%
HK$11,615
baseline
▲ 0.50% · 4.625%
HK$12,228
+HK$613/mo
Deposit HK$2.17M · loan HK$2.17M · min. income ≈ HK$23,230/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$65,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,887
−HK$745/mo
▼ 0.25% · 3.875%
HK$12,257
−HK$375/mo
Today · 4.125%
HK$12,632
baseline
▲ 0.50% · 4.625%
HK$13,401
+HK$769/mo
Deposit HK$1.74M · loan HK$2.61M · min. income ≈ HK$25,264/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$65,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,224
−HK$715/mo
▼ 0.25% · 3.875%
HK$13,579
−HK$360/mo
Today · 4.125%
HK$13,939
baseline
▲ 0.50% · 4.625%
HK$14,673
+HK$734/mo
Deposit HK$1.74M · loan HK$2.61M · min. income ≈ HK$27,878/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$65,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,868
−HK$870/mo
▼ 0.25% · 3.875%
HK$14,299
−HK$439/mo
Today · 4.125%
HK$14,738
baseline
▲ 0.50% · 4.625%
HK$15,634
+HK$896/mo
Deposit HK$1.30M · loan HK$3.04M · min. income ≈ HK$29,476/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$65,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,428
−HK$834/mo
▼ 0.25% · 3.875%
HK$15,842
−HK$420/mo
Today · 4.125%
HK$16,262
baseline
▲ 0.50% · 4.625%
HK$17,119
+HK$857/mo
Deposit HK$1.30M · loan HK$3.04M · min. income ≈ HK$32,524/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$65,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,830
−HK$1,118/mo
▼ 0.25% · 3.875%
HK$18,385
−HK$563/mo
Today · 4.125%
HK$18,948
baseline
▲ 0.50% · 4.625%
HK$20,101
+HK$1,153/mo
Deposit HK$434K · loan HK$3.91M · min. income ≈ HK$37,896/mo (50% DSR)
Upfront cash ≈ HK$500K (deposit + AVD stamp duty HK$65,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,836
−HK$1,072/mo
▼ 0.25% · 3.875%
HK$20,368
−HK$540/mo
Today · 4.125%
HK$20,908
baseline
▲ 0.50% · 4.625%
HK$22,010
+HK$1,102/mo
Deposit HK$434K · loan HK$3.91M · min. income ≈ HK$41,816/mo (50% DSR)
Upfront cash ≈ HK$500K (deposit + AVD stamp duty HK$65,163 · 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).