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$9,921
−HK$622/mo
▼ 0.25% · 3.875%
HK$10,230
−HK$313/mo
Today · 4.125%
HK$10,543
baseline
▲ 0.50% · 4.625%
HK$11,185
+HK$642/mo
Deposit HK$2.18M · loan HK$2.18M · min. income ≈ HK$21,086/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$65,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,037
−HK$596/mo
▼ 0.25% · 3.875%
HK$11,333
−HK$300/mo
Today · 4.125%
HK$11,633
baseline
▲ 0.50% · 4.625%
HK$12,247
+HK$614/mo
Deposit HK$2.18M · loan HK$2.18M · min. income ≈ HK$23,266/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$65,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,905
−HK$747/mo
▼ 0.25% · 3.875%
HK$12,276
−HK$376/mo
Today · 4.125%
HK$12,652
baseline
▲ 0.50% · 4.625%
HK$13,422
+HK$770/mo
Deposit HK$1.74M · loan HK$2.61M · min. income ≈ HK$25,304/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$65,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,244
−HK$716/mo
▼ 0.25% · 3.875%
HK$13,600
−HK$360/mo
Today · 4.125%
HK$13,960
baseline
▲ 0.50% · 4.625%
HK$14,696
+HK$736/mo
Deposit HK$1.74M · loan HK$2.61M · min. income ≈ HK$27,920/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$65,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,889
−HK$871/mo
▼ 0.25% · 3.875%
HK$14,321
−HK$439/mo
Today · 4.125%
HK$14,760
baseline
▲ 0.50% · 4.625%
HK$15,659
+HK$899/mo
Deposit HK$1.31M · loan HK$3.05M · min. income ≈ HK$29,520/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$65,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,452
−HK$835/mo
▼ 0.25% · 3.875%
HK$15,866
−HK$421/mo
Today · 4.125%
HK$16,287
baseline
▲ 0.50% · 4.625%
HK$17,145
+HK$858/mo
Deposit HK$1.31M · loan HK$3.05M · min. income ≈ HK$32,574/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$65,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,858
−HK$1,120/mo
▼ 0.25% · 3.875%
HK$18,413
−HK$565/mo
Today · 4.125%
HK$18,978
baseline
▲ 0.50% · 4.625%
HK$20,132
+HK$1,154/mo
Deposit HK$435K · loan HK$3.92M · min. income ≈ HK$37,956/mo (50% DSR)
Upfront cash ≈ HK$500K (deposit + AVD stamp duty HK$65,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,867
−HK$1,073/mo
▼ 0.25% · 3.875%
HK$20,400
−HK$540/mo
Today · 4.125%
HK$20,940
baseline
▲ 0.50% · 4.625%
HK$22,044
+HK$1,104/mo
Deposit HK$435K · loan HK$3.92M · min. income ≈ HK$41,880/mo (50% DSR)
Upfront cash ≈ HK$500K (deposit + AVD stamp duty HK$65,263 · 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).