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$9,905
−HK$621/mo
▼ 0.25% · 3.875%
HK$10,213
−HK$313/mo
Today · 4.125%
HK$10,526
baseline
▲ 0.50% · 4.625%
HK$11,167
+HK$641/mo
Deposit HK$2.17M · loan HK$2.17M · min. income ≈ HK$21,052/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$65,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,019
−HK$596/mo
▼ 0.25% · 3.875%
HK$11,315
−HK$300/mo
Today · 4.125%
HK$11,615
baseline
▲ 0.50% · 4.625%
HK$12,227
+HK$612/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$65,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,886
−HK$746/mo
▼ 0.25% · 3.875%
HK$12,256
−HK$376/mo
Today · 4.125%
HK$12,632
baseline
▲ 0.50% · 4.625%
HK$13,400
+HK$768/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$65,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,223
−HK$715/mo
▼ 0.25% · 3.875%
HK$13,578
−HK$360/mo
Today · 4.125%
HK$13,938
baseline
▲ 0.50% · 4.625%
HK$14,672
+HK$734/mo
Deposit HK$1.74M · loan HK$2.61M · min. income ≈ HK$27,876/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$65,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,867
−HK$870/mo
▼ 0.25% · 3.875%
HK$14,299
−HK$438/mo
Today · 4.125%
HK$14,737
baseline
▲ 0.50% · 4.625%
HK$15,633
+HK$896/mo
Deposit HK$1.30M · loan HK$3.04M · min. income ≈ HK$29,474/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$65,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,427
−HK$834/mo
▼ 0.25% · 3.875%
HK$15,841
−HK$420/mo
Today · 4.125%
HK$16,261
baseline
▲ 0.50% · 4.625%
HK$17,118
+HK$857/mo
Deposit HK$1.30M · loan HK$3.04M · min. income ≈ HK$32,522/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$65,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,829
−HK$1,118/mo
▼ 0.25% · 3.875%
HK$18,384
−HK$563/mo
Today · 4.125%
HK$18,947
baseline
▲ 0.50% · 4.625%
HK$20,100
+HK$1,153/mo
Deposit HK$434K · loan HK$3.91M · min. income ≈ HK$37,894/mo (50% DSR)
Upfront cash ≈ HK$500K (deposit + AVD stamp duty HK$65,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,835
−HK$1,071/mo
▼ 0.25% · 3.875%
HK$20,367
−HK$539/mo
Today · 4.125%
HK$20,906
baseline
▲ 0.50% · 4.625%
HK$22,008
+HK$1,102/mo
Deposit HK$434K · loan HK$3.91M · min. income ≈ HK$41,812/mo (50% DSR)
Upfront cash ≈ HK$500K (deposit + AVD stamp duty HK$65,158 · 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).