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$9,899
−HK$620/mo
▼ 0.25% · 3.875%
HK$10,207
−HK$312/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$65,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,012
−HK$595/mo
▼ 0.25% · 3.875%
HK$11,307
−HK$300/mo
Today · 4.125%
HK$11,607
baseline
▲ 0.50% · 4.625%
HK$12,219
+HK$612/mo
Deposit HK$2.17M · loan HK$2.17M · min. income ≈ HK$23,214/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$65,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,878
−HK$745/mo
▼ 0.25% · 3.875%
HK$12,248
−HK$375/mo
Today · 4.125%
HK$12,623
baseline
▲ 0.50% · 4.625%
HK$13,391
+HK$768/mo
Deposit HK$1.74M · loan HK$2.60M · min. income ≈ HK$25,246/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$65,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,215
−HK$714/mo
▼ 0.25% · 3.875%
HK$13,569
−HK$360/mo
Today · 4.125%
HK$13,929
baseline
▲ 0.50% · 4.625%
HK$14,663
+HK$734/mo
Deposit HK$1.74M · loan HK$2.60M · min. income ≈ HK$27,858/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$65,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,858
−HK$869/mo
▼ 0.25% · 3.875%
HK$14,289
−HK$438/mo
Today · 4.125%
HK$14,727
baseline
▲ 0.50% · 4.625%
HK$15,623
+HK$896/mo
Deposit HK$1.30M · loan HK$3.04M · min. income ≈ HK$29,454/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$65,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,417
−HK$833/mo
▼ 0.25% · 3.875%
HK$15,830
−HK$420/mo
Today · 4.125%
HK$16,250
baseline
▲ 0.50% · 4.625%
HK$17,107
+HK$857/mo
Deposit HK$1.30M · loan HK$3.04M · min. income ≈ HK$32,500/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$65,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,818
−HK$1,117/mo
▼ 0.25% · 3.875%
HK$18,372
−HK$563/mo
Today · 4.125%
HK$18,935
baseline
▲ 0.50% · 4.625%
HK$20,087
+HK$1,152/mo
Deposit HK$434K · loan HK$3.91M · min. income ≈ HK$37,870/mo (50% DSR)
Upfront cash ≈ HK$499K (deposit + AVD stamp duty HK$65,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,822
−HK$1,071/mo
▼ 0.25% · 3.875%
HK$20,353
−HK$540/mo
Today · 4.125%
HK$20,893
baseline
▲ 0.50% · 4.625%
HK$21,994
+HK$1,101/mo
Deposit HK$434K · loan HK$3.91M · min. income ≈ HK$41,786/mo (50% DSR)
Upfront cash ≈ HK$499K (deposit + AVD stamp duty HK$65,116 · 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).