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$9,907
−HK$622/mo
▼ 0.25% · 3.875%
HK$10,216
−HK$313/mo
Today · 4.125%
HK$10,529
baseline
▲ 0.50% · 4.625%
HK$11,169
+HK$640/mo
Deposit HK$2.17M · loan HK$2.17M · min. income ≈ HK$21,058/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$65,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,022
−HK$595/mo
▼ 0.25% · 3.875%
HK$11,318
−HK$299/mo
Today · 4.125%
HK$11,617
baseline
▲ 0.50% · 4.625%
HK$12,230
+HK$613/mo
Deposit HK$2.17M · loan HK$2.17M · min. income ≈ HK$23,234/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$65,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,889
−HK$746/mo
▼ 0.25% · 3.875%
HK$12,259
−HK$376/mo
Today · 4.125%
HK$12,635
baseline
▲ 0.50% · 4.625%
HK$13,403
+HK$768/mo
Deposit HK$1.74M · loan HK$2.61M · min. income ≈ HK$25,270/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$65,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,226
−HK$715/mo
▼ 0.25% · 3.875%
HK$13,581
−HK$360/mo
Today · 4.125%
HK$13,941
baseline
▲ 0.50% · 4.625%
HK$14,676
+HK$735/mo
Deposit HK$1.74M · loan HK$2.61M · min. income ≈ HK$27,882/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$65,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,870
−HK$870/mo
▼ 0.25% · 3.875%
HK$14,302
−HK$438/mo
Today · 4.125%
HK$14,740
baseline
▲ 0.50% · 4.625%
HK$15,637
+HK$897/mo
Deposit HK$1.30M · loan HK$3.04M · min. income ≈ HK$29,480/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$65,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,431
−HK$833/mo
▼ 0.25% · 3.875%
HK$15,845
−HK$419/mo
Today · 4.125%
HK$16,264
baseline
▲ 0.50% · 4.625%
HK$17,122
+HK$858/mo
Deposit HK$1.30M · loan HK$3.04M · min. income ≈ HK$32,528/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$65,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,833
−HK$1,119/mo
▼ 0.25% · 3.875%
HK$18,388
−HK$564/mo
Today · 4.125%
HK$18,952
baseline
▲ 0.50% · 4.625%
HK$20,105
+HK$1,153/mo
Deposit HK$434K · loan HK$3.91M · min. income ≈ HK$37,904/mo (50% DSR)
Upfront cash ≈ HK$500K (deposit + AVD stamp duty HK$65,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,840
−HK$1,071/mo
▼ 0.25% · 3.875%
HK$20,372
−HK$539/mo
Today · 4.125%
HK$20,911
baseline
▲ 0.50% · 4.625%
HK$22,014
+HK$1,103/mo
Deposit HK$434K · loan HK$3.91M · min. income ≈ HK$41,822/mo (50% DSR)
Upfront cash ≈ HK$500K (deposit + AVD stamp duty HK$65,174 · 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).