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$9,882
−HK$619/mo
▼ 0.25% · 3.875%
HK$10,189
−HK$312/mo
Today · 4.125%
HK$10,501
baseline
▲ 0.50% · 4.625%
HK$11,140
+HK$639/mo
Deposit HK$2.17M · loan HK$2.17M · min. income ≈ HK$21,002/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$65,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,993
−HK$594/mo
▼ 0.25% · 3.875%
HK$11,288
−HK$299/mo
Today · 4.125%
HK$11,587
baseline
▲ 0.50% · 4.625%
HK$12,198
+HK$611/mo
Deposit HK$2.17M · loan HK$2.17M · min. income ≈ HK$23,174/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$65,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,858
−HK$743/mo
▼ 0.25% · 3.875%
HK$12,227
−HK$374/mo
Today · 4.125%
HK$12,601
baseline
▲ 0.50% · 4.625%
HK$13,368
+HK$767/mo
Deposit HK$1.73M · loan HK$2.60M · min. income ≈ HK$25,202/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$65,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,192
−HK$712/mo
▼ 0.25% · 3.875%
HK$13,545
−HK$359/mo
Today · 4.125%
HK$13,904
baseline
▲ 0.50% · 4.625%
HK$14,637
+HK$733/mo
Deposit HK$1.73M · loan HK$2.60M · min. income ≈ HK$27,808/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$65,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,834
−HK$868/mo
▼ 0.25% · 3.875%
HK$14,264
−HK$438/mo
Today · 4.125%
HK$14,702
baseline
▲ 0.50% · 4.625%
HK$15,596
+HK$894/mo
Deposit HK$1.30M · loan HK$3.03M · min. income ≈ HK$29,404/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$65,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,390
−HK$832/mo
▼ 0.25% · 3.875%
HK$15,803
−HK$419/mo
Today · 4.125%
HK$16,222
baseline
▲ 0.50% · 4.625%
HK$17,077
+HK$855/mo
Deposit HK$1.30M · loan HK$3.03M · min. income ≈ HK$32,444/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$65,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,787
−HK$1,115/mo
▼ 0.25% · 3.875%
HK$18,340
−HK$562/mo
Today · 4.125%
HK$18,902
baseline
▲ 0.50% · 4.625%
HK$20,052
+HK$1,150/mo
Deposit HK$433K · loan HK$3.90M · min. income ≈ HK$37,804/mo (50% DSR)
Upfront cash ≈ HK$498K (deposit + AVD stamp duty HK$65,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,788
−HK$1,069/mo
▼ 0.25% · 3.875%
HK$20,318
−HK$539/mo
Today · 4.125%
HK$20,857
baseline
▲ 0.50% · 4.625%
HK$21,956
+HK$1,099/mo
Deposit HK$433K · loan HK$3.90M · min. income ≈ HK$41,714/mo (50% DSR)
Upfront cash ≈ HK$498K (deposit + AVD stamp duty HK$65,003 · 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).