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$9,918
−HK$622/mo
▼ 0.25% · 3.875%
HK$10,226
−HK$314/mo
Today · 4.125%
HK$10,540
baseline
▲ 0.50% · 4.625%
HK$11,181
+HK$641/mo
Deposit HK$2.17M · loan HK$2.17M · min. income ≈ HK$21,080/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$65,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,033
−HK$596/mo
▼ 0.25% · 3.875%
HK$11,329
−HK$300/mo
Today · 4.125%
HK$11,629
baseline
▲ 0.50% · 4.625%
HK$12,242
+HK$613/mo
Deposit HK$2.17M · loan HK$2.17M · min. income ≈ HK$23,258/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$65,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,901
−HK$746/mo
▼ 0.25% · 3.875%
HK$12,271
−HK$376/mo
Today · 4.125%
HK$12,647
baseline
▲ 0.50% · 4.625%
HK$13,417
+HK$770/mo
Deposit HK$1.74M · loan HK$2.61M · min. income ≈ HK$25,294/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$65,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,240
−HK$715/mo
▼ 0.25% · 3.875%
HK$13,595
−HK$360/mo
Today · 4.125%
HK$13,955
baseline
▲ 0.50% · 4.625%
HK$14,691
+HK$736/mo
Deposit HK$1.74M · loan HK$2.61M · min. income ≈ HK$27,910/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$65,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,885
−HK$870/mo
▼ 0.25% · 3.875%
HK$14,317
−HK$438/mo
Today · 4.125%
HK$14,755
baseline
▲ 0.50% · 4.625%
HK$15,653
+HK$898/mo
Deposit HK$1.30M · loan HK$3.04M · min. income ≈ HK$29,510/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$65,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,447
−HK$834/mo
▼ 0.25% · 3.875%
HK$15,861
−HK$420/mo
Today · 4.125%
HK$16,281
baseline
▲ 0.50% · 4.625%
HK$17,139
+HK$858/mo
Deposit HK$1.30M · loan HK$3.04M · min. income ≈ HK$32,562/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$65,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,852
−HK$1,119/mo
▼ 0.25% · 3.875%
HK$18,407
−HK$564/mo
Today · 4.125%
HK$18,971
baseline
▲ 0.50% · 4.625%
HK$20,126
+HK$1,155/mo
Deposit HK$435K · loan HK$3.91M · min. income ≈ HK$37,942/mo (50% DSR)
Upfront cash ≈ HK$500K (deposit + AVD stamp duty HK$65,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,860
−HK$1,073/mo
▼ 0.25% · 3.875%
HK$20,393
−HK$540/mo
Today · 4.125%
HK$20,933
baseline
▲ 0.50% · 4.625%
HK$22,036
+HK$1,103/mo
Deposit HK$435K · loan HK$3.91M · min. income ≈ HK$41,866/mo (50% DSR)
Upfront cash ≈ HK$500K (deposit + AVD stamp duty HK$65,241 · 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).