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$9,924
−HK$623/mo
▼ 0.25% · 3.875%
HK$10,233
−HK$314/mo
Today · 4.125%
HK$10,547
baseline
▲ 0.50% · 4.625%
HK$11,188
+HK$641/mo
Deposit HK$2.18M · loan HK$2.18M · min. income ≈ HK$21,094/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$65,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,041
−HK$596/mo
▼ 0.25% · 3.875%
HK$11,337
−HK$300/mo
Today · 4.125%
HK$11,637
baseline
▲ 0.50% · 4.625%
HK$12,251
+HK$614/mo
Deposit HK$2.18M · loan HK$2.18M · min. income ≈ HK$23,274/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$65,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,909
−HK$747/mo
▼ 0.25% · 3.875%
HK$12,280
−HK$376/mo
Today · 4.125%
HK$12,656
baseline
▲ 0.50% · 4.625%
HK$13,426
+HK$770/mo
Deposit HK$1.74M · loan HK$2.61M · min. income ≈ HK$25,312/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$65,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,249
−HK$716/mo
▼ 0.25% · 3.875%
HK$13,604
−HK$361/mo
Today · 4.125%
HK$13,965
baseline
▲ 0.50% · 4.625%
HK$14,701
+HK$736/mo
Deposit HK$1.74M · loan HK$2.61M · min. income ≈ HK$27,930/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$65,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,894
−HK$871/mo
▼ 0.25% · 3.875%
HK$14,326
−HK$439/mo
Today · 4.125%
HK$14,765
baseline
▲ 0.50% · 4.625%
HK$15,664
+HK$899/mo
Deposit HK$1.31M · loan HK$3.05M · min. income ≈ HK$29,530/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$65,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,457
−HK$835/mo
▼ 0.25% · 3.875%
HK$15,872
−HK$420/mo
Today · 4.125%
HK$16,292
baseline
▲ 0.50% · 4.625%
HK$17,151
+HK$859/mo
Deposit HK$1.31M · loan HK$3.05M · min. income ≈ HK$32,584/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$65,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,864
−HK$1,120/mo
▼ 0.25% · 3.875%
HK$18,419
−HK$565/mo
Today · 4.125%
HK$18,984
baseline
▲ 0.50% · 4.625%
HK$20,139
+HK$1,155/mo
Deposit HK$435K · loan HK$3.92M · min. income ≈ HK$37,968/mo (50% DSR)
Upfront cash ≈ HK$501K (deposit + AVD stamp duty HK$65,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,873
−HK$1,074/mo
▼ 0.25% · 3.875%
HK$20,406
−HK$541/mo
Today · 4.125%
HK$20,947
baseline
▲ 0.50% · 4.625%
HK$22,051
+HK$1,104/mo
Deposit HK$435K · loan HK$3.92M · min. income ≈ HK$41,894/mo (50% DSR)
Upfront cash ≈ HK$501K (deposit + AVD stamp duty HK$65,285 · 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).