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$9,876
−HK$619/mo
▼ 0.25% · 3.875%
HK$10,183
−HK$312/mo
Today · 4.125%
HK$10,495
baseline
▲ 0.50% · 4.625%
HK$11,134
+HK$639/mo
Deposit HK$2.17M · loan HK$2.17M · min. income ≈ HK$20,990/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$64,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,987
−HK$594/mo
▼ 0.25% · 3.875%
HK$11,282
−HK$299/mo
Today · 4.125%
HK$11,581
baseline
▲ 0.50% · 4.625%
HK$12,191
+HK$610/mo
Deposit HK$2.17M · loan HK$2.17M · min. income ≈ HK$23,162/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$64,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,851
−HK$743/mo
▼ 0.25% · 3.875%
HK$12,220
−HK$374/mo
Today · 4.125%
HK$12,594
baseline
▲ 0.50% · 4.625%
HK$13,361
+HK$767/mo
Deposit HK$1.73M · loan HK$2.60M · min. income ≈ HK$25,188/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$64,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,184
−HK$713/mo
▼ 0.25% · 3.875%
HK$13,538
−HK$359/mo
Today · 4.125%
HK$13,897
baseline
▲ 0.50% · 4.625%
HK$14,629
+HK$732/mo
Deposit HK$1.73M · loan HK$2.60M · min. income ≈ HK$27,794/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$64,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,826
−HK$867/mo
▼ 0.25% · 3.875%
HK$14,256
−HK$437/mo
Today · 4.125%
HK$14,693
baseline
▲ 0.50% · 4.625%
HK$15,588
+HK$895/mo
Deposit HK$1.30M · loan HK$3.03M · min. income ≈ HK$29,386/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$64,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,382
−HK$831/mo
▼ 0.25% · 3.875%
HK$15,794
−HK$419/mo
Today · 4.125%
HK$16,213
baseline
▲ 0.50% · 4.625%
HK$17,067
+HK$854/mo
Deposit HK$1.30M · loan HK$3.03M · min. income ≈ HK$32,426/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$64,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,777
−HK$1,115/mo
▼ 0.25% · 3.875%
HK$18,330
−HK$562/mo
Today · 4.125%
HK$18,892
baseline
▲ 0.50% · 4.625%
HK$20,041
+HK$1,149/mo
Deposit HK$433K · loan HK$3.90M · min. income ≈ HK$37,784/mo (50% DSR)
Upfront cash ≈ HK$498K (deposit + AVD stamp duty HK$64,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,777
−HK$1,068/mo
▼ 0.25% · 3.875%
HK$20,307
−HK$538/mo
Today · 4.125%
HK$20,845
baseline
▲ 0.50% · 4.625%
HK$21,944
+HK$1,099/mo
Deposit HK$433K · loan HK$3.90M · min. income ≈ HK$41,690/mo (50% DSR)
Upfront cash ≈ HK$498K (deposit + AVD stamp duty HK$64,967 · 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).