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$9,880
−HK$619/mo
▼ 0.25% · 3.875%
HK$10,187
−HK$312/mo
Today · 4.125%
HK$10,499
baseline
▲ 0.50% · 4.625%
HK$11,138
+HK$639/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$64,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,991
−HK$594/mo
▼ 0.25% · 3.875%
HK$11,286
−HK$299/mo
Today · 4.125%
HK$11,585
baseline
▲ 0.50% · 4.625%
HK$12,195
+HK$610/mo
Deposit HK$2.17M · loan HK$2.17M · min. income ≈ HK$23,170/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$64,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,856
−HK$743/mo
▼ 0.25% · 3.875%
HK$12,224
−HK$375/mo
Today · 4.125%
HK$12,599
baseline
▲ 0.50% · 4.625%
HK$13,366
+HK$767/mo
Deposit HK$1.73M · loan HK$2.60M · min. income ≈ HK$25,198/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$64,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,189
−HK$713/mo
▼ 0.25% · 3.875%
HK$13,543
−HK$359/mo
Today · 4.125%
HK$13,902
baseline
▲ 0.50% · 4.625%
HK$14,635
+HK$733/mo
Deposit HK$1.73M · loan HK$2.60M · min. income ≈ HK$27,804/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$64,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,831
−HK$868/mo
▼ 0.25% · 3.875%
HK$14,262
−HK$437/mo
Today · 4.125%
HK$14,699
baseline
▲ 0.50% · 4.625%
HK$15,593
+HK$894/mo
Deposit HK$1.30M · loan HK$3.03M · min. income ≈ HK$29,398/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$64,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,387
−HK$832/mo
▼ 0.25% · 3.875%
HK$15,800
−HK$419/mo
Today · 4.125%
HK$16,219
baseline
▲ 0.50% · 4.625%
HK$17,074
+HK$855/mo
Deposit HK$1.30M · loan HK$3.03M · min. income ≈ HK$32,438/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$64,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,783
−HK$1,116/mo
▼ 0.25% · 3.875%
HK$18,336
−HK$563/mo
Today · 4.125%
HK$18,899
baseline
▲ 0.50% · 4.625%
HK$20,048
+HK$1,149/mo
Deposit HK$433K · loan HK$3.90M · min. income ≈ HK$37,798/mo (50% DSR)
Upfront cash ≈ HK$498K (deposit + AVD stamp duty HK$64,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,784
−HK$1,069/mo
▼ 0.25% · 3.875%
HK$20,314
−HK$539/mo
Today · 4.125%
HK$20,853
baseline
▲ 0.50% · 4.625%
HK$21,952
+HK$1,099/mo
Deposit HK$433K · loan HK$3.90M · min. income ≈ HK$41,706/mo (50% DSR)
Upfront cash ≈ HK$498K (deposit + AVD stamp duty HK$64,991 · 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).