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$9,877
−HK$619/mo
▼ 0.25% · 3.875%
HK$10,184
−HK$312/mo
Today · 4.125%
HK$10,496
baseline
▲ 0.50% · 4.625%
HK$11,135
+HK$639/mo
Deposit HK$2.17M · loan HK$2.17M · min. income ≈ HK$20,992/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$64,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,988
−HK$594/mo
▼ 0.25% · 3.875%
HK$11,283
−HK$299/mo
Today · 4.125%
HK$11,582
baseline
▲ 0.50% · 4.625%
HK$12,192
+HK$610/mo
Deposit HK$2.17M · loan HK$2.17M · min. income ≈ HK$23,164/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$64,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,852
−HK$744/mo
▼ 0.25% · 3.875%
HK$12,221
−HK$375/mo
Today · 4.125%
HK$12,596
baseline
▲ 0.50% · 4.625%
HK$13,362
+HK$766/mo
Deposit HK$1.73M · loan HK$2.60M · min. income ≈ HK$25,192/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$64,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,186
−HK$712/mo
▼ 0.25% · 3.875%
HK$13,539
−HK$359/mo
Today · 4.125%
HK$13,898
baseline
▲ 0.50% · 4.625%
HK$14,631
+HK$733/mo
Deposit HK$1.73M · loan HK$2.60M · min. income ≈ HK$27,796/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$64,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,828
−HK$867/mo
▼ 0.25% · 3.875%
HK$14,258
−HK$437/mo
Today · 4.125%
HK$14,695
baseline
▲ 0.50% · 4.625%
HK$15,589
+HK$894/mo
Deposit HK$1.30M · loan HK$3.03M · min. income ≈ HK$29,390/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$64,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,383
−HK$831/mo
▼ 0.25% · 3.875%
HK$15,796
−HK$418/mo
Today · 4.125%
HK$16,214
baseline
▲ 0.50% · 4.625%
HK$17,069
+HK$855/mo
Deposit HK$1.30M · loan HK$3.03M · min. income ≈ HK$32,428/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$64,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,778
−HK$1,115/mo
▼ 0.25% · 3.875%
HK$18,331
−HK$562/mo
Today · 4.125%
HK$18,893
baseline
▲ 0.50% · 4.625%
HK$20,043
+HK$1,150/mo
Deposit HK$433K · loan HK$3.90M · min. income ≈ HK$37,786/mo (50% DSR)
Upfront cash ≈ HK$498K (deposit + AVD stamp duty HK$64,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,778
−HK$1,069/mo
▼ 0.25% · 3.875%
HK$20,309
−HK$538/mo
Today · 4.125%
HK$20,847
baseline
▲ 0.50% · 4.625%
HK$21,946
+HK$1,099/mo
Deposit HK$433K · loan HK$3.90M · min. income ≈ HK$41,694/mo (50% DSR)
Upfront cash ≈ HK$498K (deposit + AVD stamp duty HK$64,973 · 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).