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$9,901
−HK$620/mo
▼ 0.25% · 3.875%
HK$10,209
−HK$312/mo
Today · 4.125%
HK$10,521
baseline
▲ 0.50% · 4.625%
HK$11,162
+HK$641/mo
Deposit HK$2.17M · loan HK$2.17M · min. income ≈ HK$21,042/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$65,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,014
−HK$595/mo
▼ 0.25% · 3.875%
HK$11,310
−HK$299/mo
Today · 4.125%
HK$11,609
baseline
▲ 0.50% · 4.625%
HK$12,221
+HK$612/mo
Deposit HK$2.17M · loan HK$2.17M · min. income ≈ HK$23,218/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$65,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,881
−HK$745/mo
▼ 0.25% · 3.875%
HK$12,250
−HK$376/mo
Today · 4.125%
HK$12,626
baseline
▲ 0.50% · 4.625%
HK$13,394
+HK$768/mo
Deposit HK$1.74M · loan HK$2.61M · min. income ≈ HK$25,252/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$65,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,217
−HK$714/mo
▼ 0.25% · 3.875%
HK$13,572
−HK$359/mo
Today · 4.125%
HK$13,931
baseline
▲ 0.50% · 4.625%
HK$14,666
+HK$735/mo
Deposit HK$1.74M · loan HK$2.61M · min. income ≈ HK$27,862/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$65,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,861
−HK$869/mo
▼ 0.25% · 3.875%
HK$14,292
−HK$438/mo
Today · 4.125%
HK$14,730
baseline
▲ 0.50% · 4.625%
HK$15,626
+HK$896/mo
Deposit HK$1.30M · loan HK$3.04M · min. income ≈ HK$29,460/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$65,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,420
−HK$833/mo
▼ 0.25% · 3.875%
HK$15,834
−HK$419/mo
Today · 4.125%
HK$16,253
baseline
▲ 0.50% · 4.625%
HK$17,110
+HK$857/mo
Deposit HK$1.30M · loan HK$3.04M · min. income ≈ HK$32,506/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$65,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,821
−HK$1,118/mo
▼ 0.25% · 3.875%
HK$18,375
−HK$564/mo
Today · 4.125%
HK$18,939
baseline
▲ 0.50% · 4.625%
HK$20,091
+HK$1,152/mo
Deposit HK$434K · loan HK$3.91M · min. income ≈ HK$37,878/mo (50% DSR)
Upfront cash ≈ HK$499K (deposit + AVD stamp duty HK$65,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,826
−HK$1,071/mo
▼ 0.25% · 3.875%
HK$20,357
−HK$540/mo
Today · 4.125%
HK$20,897
baseline
▲ 0.50% · 4.625%
HK$21,998
+HK$1,101/mo
Deposit HK$434K · loan HK$3.91M · min. income ≈ HK$41,794/mo (50% DSR)
Upfront cash ≈ HK$499K (deposit + AVD stamp duty HK$65,129 · 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).