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$9,890
−HK$620/mo
▼ 0.25% · 3.875%
HK$10,197
−HK$313/mo
Today · 4.125%
HK$10,510
baseline
▲ 0.50% · 4.625%
HK$11,149
+HK$639/mo
Deposit HK$2.17M · loan HK$2.17M · min. income ≈ HK$21,020/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$65,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,002
−HK$594/mo
▼ 0.25% · 3.875%
HK$11,297
−HK$299/mo
Today · 4.125%
HK$11,596
baseline
▲ 0.50% · 4.625%
HK$12,208
+HK$612/mo
Deposit HK$2.17M · loan HK$2.17M · min. income ≈ HK$23,192/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$65,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,868
−HK$744/mo
▼ 0.25% · 3.875%
HK$12,237
−HK$375/mo
Today · 4.125%
HK$12,612
baseline
▲ 0.50% · 4.625%
HK$13,379
+HK$767/mo
Deposit HK$1.73M · loan HK$2.60M · min. income ≈ HK$25,224/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$65,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,202
−HK$714/mo
▼ 0.25% · 3.875%
HK$13,557
−HK$359/mo
Today · 4.125%
HK$13,916
baseline
▲ 0.50% · 4.625%
HK$14,649
+HK$733/mo
Deposit HK$1.73M · loan HK$2.60M · min. income ≈ HK$27,832/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$65,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,845
−HK$869/mo
▼ 0.25% · 3.875%
HK$14,276
−HK$438/mo
Today · 4.125%
HK$14,714
baseline
▲ 0.50% · 4.625%
HK$15,609
+HK$895/mo
Deposit HK$1.30M · loan HK$3.04M · min. income ≈ HK$29,428/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$65,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,403
−HK$832/mo
▼ 0.25% · 3.875%
HK$15,816
−HK$419/mo
Today · 4.125%
HK$16,235
baseline
▲ 0.50% · 4.625%
HK$17,091
+HK$856/mo
Deposit HK$1.30M · loan HK$3.04M · min. income ≈ HK$32,470/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$65,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,801
−HK$1,117/mo
▼ 0.25% · 3.875%
HK$18,355
−HK$563/mo
Today · 4.125%
HK$18,918
baseline
▲ 0.50% · 4.625%
HK$20,069
+HK$1,151/mo
Deposit HK$434K · loan HK$3.90M · min. income ≈ HK$37,836/mo (50% DSR)
Upfront cash ≈ HK$499K (deposit + AVD stamp duty HK$65,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,804
−HK$1,070/mo
▼ 0.25% · 3.875%
HK$20,335
−HK$539/mo
Today · 4.125%
HK$20,874
baseline
▲ 0.50% · 4.625%
HK$21,974
+HK$1,100/mo
Deposit HK$434K · loan HK$3.90M · min. income ≈ HK$41,748/mo (50% DSR)
Upfront cash ≈ HK$499K (deposit + AVD stamp duty HK$65,056 · 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).