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$9,875
−HK$619/mo
▼ 0.25% · 3.875%
HK$10,182
−HK$312/mo
Today · 4.125%
HK$10,494
baseline
▲ 0.50% · 4.625%
HK$11,133
+HK$639/mo
Deposit HK$2.17M · loan HK$2.17M · min. income ≈ HK$20,988/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$64,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,986
−HK$593/mo
▼ 0.25% · 3.875%
HK$11,280
−HK$299/mo
Today · 4.125%
HK$11,579
baseline
▲ 0.50% · 4.625%
HK$12,190
+HK$611/mo
Deposit HK$2.17M · loan HK$2.17M · min. income ≈ HK$23,158/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$64,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,850
−HK$743/mo
▼ 0.25% · 3.875%
HK$12,219
−HK$374/mo
Today · 4.125%
HK$12,593
baseline
▲ 0.50% · 4.625%
HK$13,359
+HK$766/mo
Deposit HK$1.73M · loan HK$2.60M · min. income ≈ HK$25,186/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$64,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,183
−HK$712/mo
▼ 0.25% · 3.875%
HK$13,537
−HK$358/mo
Today · 4.125%
HK$13,895
baseline
▲ 0.50% · 4.625%
HK$14,628
+HK$733/mo
Deposit HK$1.73M · loan HK$2.60M · min. income ≈ HK$27,790/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$64,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,825
−HK$867/mo
▼ 0.25% · 3.875%
HK$14,255
−HK$437/mo
Today · 4.125%
HK$14,692
baseline
▲ 0.50% · 4.625%
HK$15,586
+HK$894/mo
Deposit HK$1.30M · loan HK$3.03M · min. income ≈ HK$29,384/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$64,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,380
−HK$831/mo
▼ 0.25% · 3.875%
HK$15,793
−HK$418/mo
Today · 4.125%
HK$16,211
baseline
▲ 0.50% · 4.625%
HK$17,066
+HK$855/mo
Deposit HK$1.30M · loan HK$3.03M · min. income ≈ HK$32,422/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$64,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,775
−HK$1,115/mo
▼ 0.25% · 3.875%
HK$18,328
−HK$562/mo
Today · 4.125%
HK$18,890
baseline
▲ 0.50% · 4.625%
HK$20,039
+HK$1,149/mo
Deposit HK$433K · loan HK$3.90M · min. income ≈ HK$37,780/mo (50% DSR)
Upfront cash ≈ HK$498K (deposit + AVD stamp duty HK$64,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,775
−HK$1,068/mo
▼ 0.25% · 3.875%
HK$20,305
−HK$538/mo
Today · 4.125%
HK$20,843
baseline
▲ 0.50% · 4.625%
HK$21,942
+HK$1,099/mo
Deposit HK$433K · loan HK$3.90M · min. income ≈ HK$41,686/mo (50% DSR)
Upfront cash ≈ HK$498K (deposit + AVD stamp duty HK$64,960 · 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).