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$9,879
−HK$620/mo
▼ 0.25% · 3.875%
HK$10,186
−HK$313/mo
Today · 4.125%
HK$10,499
baseline
▲ 0.50% · 4.625%
HK$11,137
+HK$638/mo
Deposit HK$2.17M · loan HK$2.17M · min. income ≈ HK$20,998/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$64,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,990
−HK$594/mo
▼ 0.25% · 3.875%
HK$11,285
−HK$299/mo
Today · 4.125%
HK$11,584
baseline
▲ 0.50% · 4.625%
HK$12,195
+HK$611/mo
Deposit HK$2.17M · loan HK$2.17M · min. income ≈ HK$23,168/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$64,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,855
−HK$743/mo
▼ 0.25% · 3.875%
HK$12,224
−HK$374/mo
Today · 4.125%
HK$12,598
baseline
▲ 0.50% · 4.625%
HK$13,365
+HK$767/mo
Deposit HK$1.73M · loan HK$2.60M · min. income ≈ HK$25,196/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$64,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,188
−HK$713/mo
▼ 0.25% · 3.875%
HK$13,542
−HK$359/mo
Today · 4.125%
HK$13,901
baseline
▲ 0.50% · 4.625%
HK$14,634
+HK$733/mo
Deposit HK$1.73M · loan HK$2.60M · min. income ≈ HK$27,802/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$64,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,831
−HK$867/mo
▼ 0.25% · 3.875%
HK$14,261
−HK$437/mo
Today · 4.125%
HK$14,698
baseline
▲ 0.50% · 4.625%
HK$15,592
+HK$894/mo
Deposit HK$1.30M · loan HK$3.03M · min. income ≈ HK$29,396/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$64,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,387
−HK$831/mo
▼ 0.25% · 3.875%
HK$15,799
−HK$419/mo
Today · 4.125%
HK$16,218
baseline
▲ 0.50% · 4.625%
HK$17,073
+HK$855/mo
Deposit HK$1.30M · loan HK$3.03M · min. income ≈ HK$32,436/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$64,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,782
−HK$1,115/mo
▼ 0.25% · 3.875%
HK$18,335
−HK$562/mo
Today · 4.125%
HK$18,897
baseline
▲ 0.50% · 4.625%
HK$20,047
+HK$1,150/mo
Deposit HK$433K · loan HK$3.90M · min. income ≈ HK$37,794/mo (50% DSR)
Upfront cash ≈ HK$498K (deposit + AVD stamp duty HK$64,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,783
−HK$1,068/mo
▼ 0.25% · 3.875%
HK$20,313
−HK$538/mo
Today · 4.125%
HK$20,851
baseline
▲ 0.50% · 4.625%
HK$21,951
+HK$1,100/mo
Deposit HK$433K · loan HK$3.90M · min. income ≈ HK$41,702/mo (50% DSR)
Upfront cash ≈ HK$498K (deposit + AVD stamp duty HK$64,987 · 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).