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$9,896
−HK$620/mo
▼ 0.25% · 3.875%
HK$10,204
−HK$312/mo
Today · 4.125%
HK$10,516
baseline
▲ 0.50% · 4.625%
HK$11,156
+HK$640/mo
Deposit HK$2.17M · loan HK$2.17M · min. income ≈ HK$21,032/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$65,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,009
−HK$595/mo
▼ 0.25% · 3.875%
HK$11,304
−HK$300/mo
Today · 4.125%
HK$11,604
baseline
▲ 0.50% · 4.625%
HK$12,215
+HK$611/mo
Deposit HK$2.17M · loan HK$2.17M · min. income ≈ HK$23,208/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$65,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,875
−HK$745/mo
▼ 0.25% · 3.875%
HK$12,244
−HK$376/mo
Today · 4.125%
HK$12,620
baseline
▲ 0.50% · 4.625%
HK$13,387
+HK$767/mo
Deposit HK$1.74M · loan HK$2.60M · min. income ≈ HK$25,240/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$65,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,211
−HK$713/mo
▼ 0.25% · 3.875%
HK$13,565
−HK$359/mo
Today · 4.125%
HK$13,924
baseline
▲ 0.50% · 4.625%
HK$14,658
+HK$734/mo
Deposit HK$1.74M · loan HK$2.60M · min. income ≈ HK$27,848/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$65,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,854
−HK$869/mo
▼ 0.25% · 3.875%
HK$14,285
−HK$438/mo
Today · 4.125%
HK$14,723
baseline
▲ 0.50% · 4.625%
HK$15,619
+HK$896/mo
Deposit HK$1.30M · loan HK$3.04M · min. income ≈ HK$29,446/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$65,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,412
−HK$833/mo
▼ 0.25% · 3.875%
HK$15,826
−HK$419/mo
Today · 4.125%
HK$16,245
baseline
▲ 0.50% · 4.625%
HK$17,101
+HK$856/mo
Deposit HK$1.30M · loan HK$3.04M · min. income ≈ HK$32,490/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$65,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,812
−HK$1,117/mo
▼ 0.25% · 3.875%
HK$18,366
−HK$563/mo
Today · 4.125%
HK$18,929
baseline
▲ 0.50% · 4.625%
HK$20,081
+HK$1,152/mo
Deposit HK$434K · loan HK$3.91M · min. income ≈ HK$37,858/mo (50% DSR)
Upfront cash ≈ HK$499K (deposit + AVD stamp duty HK$65,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,816
−HK$1,071/mo
▼ 0.25% · 3.875%
HK$20,347
−HK$540/mo
Today · 4.125%
HK$20,887
baseline
▲ 0.50% · 4.625%
HK$21,988
+HK$1,101/mo
Deposit HK$434K · loan HK$3.91M · min. income ≈ HK$41,774/mo (50% DSR)
Upfront cash ≈ HK$499K (deposit + AVD stamp duty HK$65,097 · 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).