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$9,914
−HK$622/mo
▼ 0.25% · 3.875%
HK$10,223
−HK$313/mo
Today · 4.125%
HK$10,536
baseline
▲ 0.50% · 4.625%
HK$11,177
+HK$641/mo
Deposit HK$2.17M · loan HK$2.17M · min. income ≈ HK$21,072/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$65,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,030
−HK$596/mo
▼ 0.25% · 3.875%
HK$11,325
−HK$301/mo
Today · 4.125%
HK$11,626
baseline
▲ 0.50% · 4.625%
HK$12,238
+HK$612/mo
Deposit HK$2.17M · loan HK$2.17M · min. income ≈ HK$23,252/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$65,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,897
−HK$746/mo
▼ 0.25% · 3.875%
HK$12,267
−HK$376/mo
Today · 4.125%
HK$12,643
baseline
▲ 0.50% · 4.625%
HK$13,413
+HK$770/mo
Deposit HK$1.74M · loan HK$2.61M · min. income ≈ HK$25,286/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$65,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,236
−HK$715/mo
▼ 0.25% · 3.875%
HK$13,591
−HK$360/mo
Today · 4.125%
HK$13,951
baseline
▲ 0.50% · 4.625%
HK$14,686
+HK$735/mo
Deposit HK$1.74M · loan HK$2.61M · min. income ≈ HK$27,902/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$65,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,880
−HK$871/mo
▼ 0.25% · 3.875%
HK$14,312
−HK$439/mo
Today · 4.125%
HK$14,751
baseline
▲ 0.50% · 4.625%
HK$15,648
+HK$897/mo
Deposit HK$1.30M · loan HK$3.04M · min. income ≈ HK$29,502/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$65,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,442
−HK$834/mo
▼ 0.25% · 3.875%
HK$15,856
−HK$420/mo
Today · 4.125%
HK$16,276
baseline
▲ 0.50% · 4.625%
HK$17,134
+HK$858/mo
Deposit HK$1.30M · loan HK$3.04M · min. income ≈ HK$32,552/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$65,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,846
−HK$1,119/mo
▼ 0.25% · 3.875%
HK$18,401
−HK$564/mo
Today · 4.125%
HK$18,965
baseline
▲ 0.50% · 4.625%
HK$20,119
+HK$1,154/mo
Deposit HK$435K · loan HK$3.91M · min. income ≈ HK$37,930/mo (50% DSR)
Upfront cash ≈ HK$500K (deposit + AVD stamp duty HK$65,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,853
−HK$1,073/mo
▼ 0.25% · 3.875%
HK$20,386
−HK$540/mo
Today · 4.125%
HK$20,926
baseline
▲ 0.50% · 4.625%
HK$22,029
+HK$1,103/mo
Deposit HK$435K · loan HK$3.91M · min. income ≈ HK$41,852/mo (50% DSR)
Upfront cash ≈ HK$500K (deposit + AVD stamp duty HK$65,220 · 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).