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$9,902
−HK$621/mo
▼ 0.25% · 3.875%
HK$10,210
−HK$313/mo
Today · 4.125%
HK$10,523
baseline
▲ 0.50% · 4.625%
HK$11,163
+HK$640/mo
Deposit HK$2.17M · loan HK$2.17M · min. income ≈ HK$21,046/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$65,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,016
−HK$595/mo
▼ 0.25% · 3.875%
HK$11,311
−HK$300/mo
Today · 4.125%
HK$11,611
baseline
▲ 0.50% · 4.625%
HK$12,223
+HK$612/mo
Deposit HK$2.17M · loan HK$2.17M · min. income ≈ HK$23,222/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$65,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,882
−HK$745/mo
▼ 0.25% · 3.875%
HK$12,252
−HK$375/mo
Today · 4.125%
HK$12,627
baseline
▲ 0.50% · 4.625%
HK$13,396
+HK$769/mo
Deposit HK$1.74M · loan HK$2.61M · min. income ≈ HK$25,254/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$65,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,219
−HK$714/mo
▼ 0.25% · 3.875%
HK$13,573
−HK$360/mo
Today · 4.125%
HK$13,933
baseline
▲ 0.50% · 4.625%
HK$14,667
+HK$734/mo
Deposit HK$1.74M · loan HK$2.61M · min. income ≈ HK$27,866/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$65,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,863
−HK$869/mo
▼ 0.25% · 3.875%
HK$14,294
−HK$438/mo
Today · 4.125%
HK$14,732
baseline
▲ 0.50% · 4.625%
HK$15,628
+HK$896/mo
Deposit HK$1.30M · loan HK$3.04M · min. income ≈ HK$29,464/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$65,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,422
−HK$833/mo
▼ 0.25% · 3.875%
HK$15,836
−HK$419/mo
Today · 4.125%
HK$16,255
baseline
▲ 0.50% · 4.625%
HK$17,112
+HK$857/mo
Deposit HK$1.30M · loan HK$3.04M · min. income ≈ HK$32,510/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$65,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,823
−HK$1,118/mo
▼ 0.25% · 3.875%
HK$18,378
−HK$563/mo
Today · 4.125%
HK$18,941
baseline
▲ 0.50% · 4.625%
HK$20,094
+HK$1,153/mo
Deposit HK$434K · loan HK$3.91M · min. income ≈ HK$37,882/mo (50% DSR)
Upfront cash ≈ HK$499K (deposit + AVD stamp duty HK$65,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,828
−HK$1,072/mo
▼ 0.25% · 3.875%
HK$20,360
−HK$540/mo
Today · 4.125%
HK$20,900
baseline
▲ 0.50% · 4.625%
HK$22,001
+HK$1,101/mo
Deposit HK$434K · loan HK$3.91M · min. income ≈ HK$41,800/mo (50% DSR)
Upfront cash ≈ HK$499K (deposit + AVD stamp duty HK$65,137 · 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).