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$9,937
−HK$623/mo
▼ 0.25% · 3.875%
HK$10,246
−HK$314/mo
Today · 4.125%
HK$10,560
baseline
▲ 0.50% · 4.625%
HK$11,203
+HK$643/mo
Deposit HK$2.18M · loan HK$2.18M · min. income ≈ HK$21,120/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$65,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,055
−HK$597/mo
▼ 0.25% · 3.875%
HK$11,352
−HK$300/mo
Today · 4.125%
HK$11,652
baseline
▲ 0.50% · 4.625%
HK$12,267
+HK$615/mo
Deposit HK$2.18M · loan HK$2.18M · min. income ≈ HK$23,304/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$65,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,925
−HK$748/mo
▼ 0.25% · 3.875%
HK$12,296
−HK$377/mo
Today · 4.125%
HK$12,673
baseline
▲ 0.50% · 4.625%
HK$13,444
+HK$771/mo
Deposit HK$1.74M · loan HK$2.61M · min. income ≈ HK$25,346/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$65,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,266
−HK$717/mo
▼ 0.25% · 3.875%
HK$13,622
−HK$361/mo
Today · 4.125%
HK$13,983
baseline
▲ 0.50% · 4.625%
HK$14,720
+HK$737/mo
Deposit HK$1.74M · loan HK$2.61M · min. income ≈ HK$27,966/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$65,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,912
−HK$873/mo
▼ 0.25% · 3.875%
HK$14,345
−HK$440/mo
Today · 4.125%
HK$14,785
baseline
▲ 0.50% · 4.625%
HK$15,684
+HK$899/mo
Deposit HK$1.31M · loan HK$3.05M · min. income ≈ HK$29,570/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$65,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,477
−HK$836/mo
▼ 0.25% · 3.875%
HK$15,892
−HK$421/mo
Today · 4.125%
HK$16,313
baseline
▲ 0.50% · 4.625%
HK$17,173
+HK$860/mo
Deposit HK$1.31M · loan HK$3.05M · min. income ≈ HK$32,626/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$65,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,887
−HK$1,122/mo
▼ 0.25% · 3.875%
HK$18,444
−HK$565/mo
Today · 4.125%
HK$19,009
baseline
▲ 0.50% · 4.625%
HK$20,166
+HK$1,157/mo
Deposit HK$436K · loan HK$3.92M · min. income ≈ HK$38,018/mo (50% DSR)
Upfront cash ≈ HK$501K (deposit + AVD stamp duty HK$65,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,899
−HK$1,075/mo
▼ 0.25% · 3.875%
HK$20,433
−HK$541/mo
Today · 4.125%
HK$20,974
baseline
▲ 0.50% · 4.625%
HK$22,080
+HK$1,106/mo
Deposit HK$436K · loan HK$3.92M · min. income ≈ HK$41,948/mo (50% DSR)
Upfront cash ≈ HK$501K (deposit + AVD stamp duty HK$65,370 · 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).