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$9,892
−HK$620/mo
▼ 0.25% · 3.875%
HK$10,200
−HK$312/mo
Today · 4.125%
HK$10,512
baseline
▲ 0.50% · 4.625%
HK$11,152
+HK$640/mo
Deposit HK$2.17M · loan HK$2.17M · min. income ≈ HK$21,024/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$65,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,005
−HK$594/mo
▼ 0.25% · 3.875%
HK$11,300
−HK$299/mo
Today · 4.125%
HK$11,599
baseline
▲ 0.50% · 4.625%
HK$12,211
+HK$612/mo
Deposit HK$2.17M · loan HK$2.17M · min. income ≈ HK$23,198/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$65,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,870
−HK$745/mo
▼ 0.25% · 3.875%
HK$12,240
−HK$375/mo
Today · 4.125%
HK$12,615
baseline
▲ 0.50% · 4.625%
HK$13,382
+HK$767/mo
Deposit HK$1.74M · loan HK$2.60M · min. income ≈ HK$25,230/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$65,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,206
−HK$713/mo
▼ 0.25% · 3.875%
HK$13,560
−HK$359/mo
Today · 4.125%
HK$13,919
baseline
▲ 0.50% · 4.625%
HK$14,653
+HK$734/mo
Deposit HK$1.74M · loan HK$2.60M · min. income ≈ HK$27,838/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$65,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,849
−HK$868/mo
▼ 0.25% · 3.875%
HK$14,280
−HK$437/mo
Today · 4.125%
HK$14,717
baseline
▲ 0.50% · 4.625%
HK$15,613
+HK$896/mo
Deposit HK$1.30M · loan HK$3.04M · min. income ≈ HK$29,434/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$65,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,407
−HK$832/mo
▼ 0.25% · 3.875%
HK$15,820
−HK$419/mo
Today · 4.125%
HK$16,239
baseline
▲ 0.50% · 4.625%
HK$17,095
+HK$856/mo
Deposit HK$1.30M · loan HK$3.04M · min. income ≈ HK$32,478/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$65,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,806
−HK$1,116/mo
▼ 0.25% · 3.875%
HK$18,360
−HK$562/mo
Today · 4.125%
HK$18,922
baseline
▲ 0.50% · 4.625%
HK$20,074
+HK$1,152/mo
Deposit HK$434K · loan HK$3.90M · min. income ≈ HK$37,844/mo (50% DSR)
Upfront cash ≈ HK$499K (deposit + AVD stamp duty HK$65,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,809
−HK$1,070/mo
▼ 0.25% · 3.875%
HK$20,340
−HK$539/mo
Today · 4.125%
HK$20,879
baseline
▲ 0.50% · 4.625%
HK$21,979
+HK$1,100/mo
Deposit HK$434K · loan HK$3.90M · min. income ≈ HK$41,758/mo (50% DSR)
Upfront cash ≈ HK$499K (deposit + AVD stamp duty HK$65,072 · 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).