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$9,898
−HK$621/mo
▼ 0.25% · 3.875%
HK$10,206
−HK$313/mo
Today · 4.125%
HK$10,519
baseline
▲ 0.50% · 4.625%
HK$11,159
+HK$640/mo
Deposit HK$2.17M · loan HK$2.17M · min. income ≈ HK$21,038/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$65,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,011
−HK$595/mo
▼ 0.25% · 3.875%
HK$11,307
−HK$299/mo
Today · 4.125%
HK$11,606
baseline
▲ 0.50% · 4.625%
HK$12,218
+HK$612/mo
Deposit HK$2.17M · loan HK$2.17M · min. income ≈ HK$23,212/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$65,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,878
−HK$744/mo
▼ 0.25% · 3.875%
HK$12,247
−HK$375/mo
Today · 4.125%
HK$12,622
baseline
▲ 0.50% · 4.625%
HK$13,390
+HK$768/mo
Deposit HK$1.74M · loan HK$2.60M · min. income ≈ HK$25,244/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$65,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,214
−HK$714/mo
▼ 0.25% · 3.875%
HK$13,568
−HK$360/mo
Today · 4.125%
HK$13,928
baseline
▲ 0.50% · 4.625%
HK$14,662
+HK$734/mo
Deposit HK$1.74M · loan HK$2.60M · min. income ≈ HK$27,856/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$65,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,857
−HK$869/mo
▼ 0.25% · 3.875%
HK$14,288
−HK$438/mo
Today · 4.125%
HK$14,726
baseline
▲ 0.50% · 4.625%
HK$15,622
+HK$896/mo
Deposit HK$1.30M · loan HK$3.04M · min. income ≈ HK$29,452/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$65,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,416
−HK$833/mo
▼ 0.25% · 3.875%
HK$15,829
−HK$420/mo
Today · 4.125%
HK$16,249
baseline
▲ 0.50% · 4.625%
HK$17,105
+HK$856/mo
Deposit HK$1.30M · loan HK$3.04M · min. income ≈ HK$32,498/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$65,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,816
−HK$1,118/mo
▼ 0.25% · 3.875%
HK$18,370
−HK$564/mo
Today · 4.125%
HK$18,934
baseline
▲ 0.50% · 4.625%
HK$20,086
+HK$1,152/mo
Deposit HK$434K · loan HK$3.91M · min. income ≈ HK$37,868/mo (50% DSR)
Upfront cash ≈ HK$499K (deposit + AVD stamp duty HK$65,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,820
−HK$1,071/mo
▼ 0.25% · 3.875%
HK$20,352
−HK$539/mo
Today · 4.125%
HK$20,891
baseline
▲ 0.50% · 4.625%
HK$21,992
+HK$1,101/mo
Deposit HK$434K · loan HK$3.91M · min. income ≈ HK$41,782/mo (50% DSR)
Upfront cash ≈ HK$499K (deposit + AVD stamp duty HK$65,111 · 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).