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$9,926
−HK$622/mo
▼ 0.25% · 3.875%
HK$10,235
−HK$313/mo
Today · 4.125%
HK$10,548
baseline
▲ 0.50% · 4.625%
HK$11,190
+HK$642/mo
Deposit HK$2.18M · loan HK$2.18M · min. income ≈ HK$21,096/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$65,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,042
−HK$597/mo
▼ 0.25% · 3.875%
HK$11,339
−HK$300/mo
Today · 4.125%
HK$11,639
baseline
▲ 0.50% · 4.625%
HK$12,252
+HK$613/mo
Deposit HK$2.18M · loan HK$2.18M · min. income ≈ HK$23,278/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$65,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,911
−HK$747/mo
▼ 0.25% · 3.875%
HK$12,281
−HK$377/mo
Today · 4.125%
HK$12,658
baseline
▲ 0.50% · 4.625%
HK$13,428
+HK$770/mo
Deposit HK$1.74M · loan HK$2.61M · min. income ≈ HK$25,316/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$65,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,251
−HK$716/mo
▼ 0.25% · 3.875%
HK$13,606
−HK$361/mo
Today · 4.125%
HK$13,967
baseline
▲ 0.50% · 4.625%
HK$14,703
+HK$736/mo
Deposit HK$1.74M · loan HK$2.61M · min. income ≈ HK$27,934/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$65,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,896
−HK$872/mo
▼ 0.25% · 3.875%
HK$14,328
−HK$440/mo
Today · 4.125%
HK$14,768
baseline
▲ 0.50% · 4.625%
HK$15,666
+HK$898/mo
Deposit HK$1.31M · loan HK$3.05M · min. income ≈ HK$29,536/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$65,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,459
−HK$836/mo
▼ 0.25% · 3.875%
HK$15,874
−HK$421/mo
Today · 4.125%
HK$16,295
baseline
▲ 0.50% · 4.625%
HK$17,153
+HK$858/mo
Deposit HK$1.31M · loan HK$3.05M · min. income ≈ HK$32,590/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$65,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,866
−HK$1,121/mo
▼ 0.25% · 3.875%
HK$18,422
−HK$565/mo
Today · 4.125%
HK$18,987
baseline
▲ 0.50% · 4.625%
HK$20,142
+HK$1,155/mo
Deposit HK$435K · loan HK$3.92M · min. income ≈ HK$37,974/mo (50% DSR)
Upfront cash ≈ HK$501K (deposit + AVD stamp duty HK$65,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,876
−HK$1,074/mo
▼ 0.25% · 3.875%
HK$20,409
−HK$541/mo
Today · 4.125%
HK$20,950
baseline
▲ 0.50% · 4.625%
HK$22,054
+HK$1,104/mo
Deposit HK$435K · loan HK$3.92M · min. income ≈ HK$41,900/mo (50% DSR)
Upfront cash ≈ HK$501K (deposit + AVD stamp duty HK$65,295 · 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).