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$9,883
−HK$620/mo
▼ 0.25% · 3.875%
HK$10,190
−HK$313/mo
Today · 4.125%
HK$10,503
baseline
▲ 0.50% · 4.625%
HK$11,142
+HK$639/mo
Deposit HK$2.17M · loan HK$2.17M · min. income ≈ HK$21,006/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$65,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,995
−HK$594/mo
▼ 0.25% · 3.875%
HK$11,290
−HK$299/mo
Today · 4.125%
HK$11,589
baseline
▲ 0.50% · 4.625%
HK$12,199
+HK$610/mo
Deposit HK$2.17M · loan HK$2.17M · min. income ≈ HK$23,178/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$65,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,859
−HK$744/mo
▼ 0.25% · 3.875%
HK$12,228
−HK$375/mo
Today · 4.125%
HK$12,603
baseline
▲ 0.50% · 4.625%
HK$13,370
+HK$767/mo
Deposit HK$1.73M · loan HK$2.60M · min. income ≈ HK$25,206/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$65,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,194
−HK$712/mo
▼ 0.25% · 3.875%
HK$13,547
−HK$359/mo
Today · 4.125%
HK$13,906
baseline
▲ 0.50% · 4.625%
HK$14,639
+HK$733/mo
Deposit HK$1.73M · loan HK$2.60M · min. income ≈ HK$27,812/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$65,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,836
−HK$868/mo
▼ 0.25% · 3.875%
HK$14,266
−HK$438/mo
Today · 4.125%
HK$14,704
baseline
▲ 0.50% · 4.625%
HK$15,598
+HK$894/mo
Deposit HK$1.30M · loan HK$3.03M · min. income ≈ HK$29,408/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$65,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,392
−HK$832/mo
▼ 0.25% · 3.875%
HK$15,805
−HK$419/mo
Today · 4.125%
HK$16,224
baseline
▲ 0.50% · 4.625%
HK$17,079
+HK$855/mo
Deposit HK$1.30M · loan HK$3.03M · min. income ≈ HK$32,448/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$65,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,789
−HK$1,116/mo
▼ 0.25% · 3.875%
HK$18,343
−HK$562/mo
Today · 4.125%
HK$18,905
baseline
▲ 0.50% · 4.625%
HK$20,055
+HK$1,150/mo
Deposit HK$433K · loan HK$3.90M · min. income ≈ HK$37,810/mo (50% DSR)
Upfront cash ≈ HK$498K (deposit + AVD stamp duty HK$65,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,790
−HK$1,070/mo
▼ 0.25% · 3.875%
HK$20,321
−HK$539/mo
Today · 4.125%
HK$20,860
baseline
▲ 0.50% · 4.625%
HK$21,959
+HK$1,099/mo
Deposit HK$433K · loan HK$3.90M · min. income ≈ HK$41,720/mo (50% DSR)
Upfront cash ≈ HK$498K (deposit + AVD stamp duty HK$65,012 · 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).