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$9,894
−HK$621/mo
▼ 0.25% · 3.875%
HK$10,202
−HK$313/mo
Today · 4.125%
HK$10,515
baseline
▲ 0.50% · 4.625%
HK$11,154
+HK$639/mo
Deposit HK$2.17M · loan HK$2.17M · min. income ≈ HK$21,030/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$65,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,007
−HK$595/mo
▼ 0.25% · 3.875%
HK$11,302
−HK$300/mo
Today · 4.125%
HK$11,602
baseline
▲ 0.50% · 4.625%
HK$12,213
+HK$611/mo
Deposit HK$2.17M · loan HK$2.17M · min. income ≈ HK$23,204/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$65,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,873
−HK$745/mo
▼ 0.25% · 3.875%
HK$12,242
−HK$376/mo
Today · 4.125%
HK$12,618
baseline
▲ 0.50% · 4.625%
HK$13,385
+HK$767/mo
Deposit HK$1.74M · loan HK$2.60M · min. income ≈ HK$25,236/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$65,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,209
−HK$713/mo
▼ 0.25% · 3.875%
HK$13,563
−HK$359/mo
Today · 4.125%
HK$13,922
baseline
▲ 0.50% · 4.625%
HK$14,656
+HK$734/mo
Deposit HK$1.74M · loan HK$2.60M · min. income ≈ HK$27,844/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$65,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,852
−HK$869/mo
▼ 0.25% · 3.875%
HK$14,283
−HK$438/mo
Today · 4.125%
HK$14,721
baseline
▲ 0.50% · 4.625%
HK$15,616
+HK$895/mo
Deposit HK$1.30M · loan HK$3.04M · min. income ≈ HK$29,442/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$65,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,410
−HK$833/mo
▼ 0.25% · 3.875%
HK$15,823
−HK$420/mo
Today · 4.125%
HK$16,243
baseline
▲ 0.50% · 4.625%
HK$17,099
+HK$856/mo
Deposit HK$1.30M · loan HK$3.04M · min. income ≈ HK$32,486/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$65,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,810
−HK$1,116/mo
▼ 0.25% · 3.875%
HK$18,364
−HK$562/mo
Today · 4.125%
HK$18,926
baseline
▲ 0.50% · 4.625%
HK$20,078
+HK$1,152/mo
Deposit HK$434K · loan HK$3.91M · min. income ≈ HK$37,852/mo (50% DSR)
Upfront cash ≈ HK$499K (deposit + AVD stamp duty HK$65,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,813
−HK$1,070/mo
▼ 0.25% · 3.875%
HK$20,344
−HK$539/mo
Today · 4.125%
HK$20,883
baseline
▲ 0.50% · 4.625%
HK$21,984
+HK$1,101/mo
Deposit HK$434K · loan HK$3.91M · min. income ≈ HK$41,766/mo (50% DSR)
Upfront cash ≈ HK$499K (deposit + AVD stamp duty HK$65,087 · 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).