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$9,897
−HK$620/mo
▼ 0.25% · 3.875%
HK$10,205
−HK$312/mo
Today · 4.125%
HK$10,517
baseline
▲ 0.50% · 4.625%
HK$11,157
+HK$640/mo
Deposit HK$2.17M · loan HK$2.17M · min. income ≈ HK$21,034/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$65,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,010
−HK$595/mo
▼ 0.25% · 3.875%
HK$11,305
−HK$300/mo
Today · 4.125%
HK$11,605
baseline
▲ 0.50% · 4.625%
HK$12,216
+HK$611/mo
Deposit HK$2.17M · loan HK$2.17M · min. income ≈ HK$23,210/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$65,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,876
−HK$745/mo
▼ 0.25% · 3.875%
HK$12,245
−HK$376/mo
Today · 4.125%
HK$12,621
baseline
▲ 0.50% · 4.625%
HK$13,389
+HK$768/mo
Deposit HK$1.74M · loan HK$2.60M · min. income ≈ HK$25,242/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$65,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,212
−HK$714/mo
▼ 0.25% · 3.875%
HK$13,566
−HK$360/mo
Today · 4.125%
HK$13,926
baseline
▲ 0.50% · 4.625%
HK$14,660
+HK$734/mo
Deposit HK$1.74M · loan HK$2.60M · min. income ≈ HK$27,852/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$65,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,855
−HK$869/mo
▼ 0.25% · 3.875%
HK$14,286
−HK$438/mo
Today · 4.125%
HK$14,724
baseline
▲ 0.50% · 4.625%
HK$15,620
+HK$896/mo
Deposit HK$1.30M · loan HK$3.04M · min. income ≈ HK$29,448/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$65,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,414
−HK$833/mo
▼ 0.25% · 3.875%
HK$15,827
−HK$420/mo
Today · 4.125%
HK$16,247
baseline
▲ 0.50% · 4.625%
HK$17,103
+HK$856/mo
Deposit HK$1.30M · loan HK$3.04M · min. income ≈ HK$32,494/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$65,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,814
−HK$1,117/mo
▼ 0.25% · 3.875%
HK$18,368
−HK$563/mo
Today · 4.125%
HK$18,931
baseline
▲ 0.50% · 4.625%
HK$20,083
+HK$1,152/mo
Deposit HK$434K · loan HK$3.91M · min. income ≈ HK$37,862/mo (50% DSR)
Upfront cash ≈ HK$499K (deposit + AVD stamp duty HK$65,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,818
−HK$1,071/mo
▼ 0.25% · 3.875%
HK$20,349
−HK$540/mo
Today · 4.125%
HK$20,889
baseline
▲ 0.50% · 4.625%
HK$21,990
+HK$1,101/mo
Deposit HK$434K · loan HK$3.91M · min. income ≈ HK$41,778/mo (50% DSR)
Upfront cash ≈ HK$499K (deposit + AVD stamp duty HK$65,103 · 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).