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$9,920
−HK$622/mo
▼ 0.25% · 3.875%
HK$10,228
−HK$314/mo
Today · 4.125%
HK$10,542
baseline
▲ 0.50% · 4.625%
HK$11,183
+HK$641/mo
Deposit HK$2.18M · loan HK$2.18M · min. income ≈ HK$21,084/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$65,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,035
−HK$597/mo
▼ 0.25% · 3.875%
HK$11,331
−HK$301/mo
Today · 4.125%
HK$11,632
baseline
▲ 0.50% · 4.625%
HK$12,245
+HK$613/mo
Deposit HK$2.18M · loan HK$2.18M · min. income ≈ HK$23,264/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$65,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,903
−HK$747/mo
▼ 0.25% · 3.875%
HK$12,274
−HK$376/mo
Today · 4.125%
HK$12,650
baseline
▲ 0.50% · 4.625%
HK$13,420
+HK$770/mo
Deposit HK$1.74M · loan HK$2.61M · min. income ≈ HK$25,300/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$65,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,242
−HK$716/mo
▼ 0.25% · 3.875%
HK$13,598
−HK$360/mo
Today · 4.125%
HK$13,958
baseline
▲ 0.50% · 4.625%
HK$14,694
+HK$736/mo
Deposit HK$1.74M · loan HK$2.61M · min. income ≈ HK$27,916/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$65,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,887
−HK$871/mo
▼ 0.25% · 3.875%
HK$14,319
−HK$439/mo
Today · 4.125%
HK$14,758
baseline
▲ 0.50% · 4.625%
HK$15,656
+HK$898/mo
Deposit HK$1.31M · loan HK$3.05M · min. income ≈ HK$29,516/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$65,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,450
−HK$834/mo
▼ 0.25% · 3.875%
HK$15,864
−HK$420/mo
Today · 4.125%
HK$16,284
baseline
▲ 0.50% · 4.625%
HK$17,143
+HK$859/mo
Deposit HK$1.31M · loan HK$3.05M · min. income ≈ HK$32,568/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$65,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,855
−HK$1,120/mo
▼ 0.25% · 3.875%
HK$18,411
−HK$564/mo
Today · 4.125%
HK$18,975
baseline
▲ 0.50% · 4.625%
HK$20,129
+HK$1,154/mo
Deposit HK$435K · loan HK$3.92M · min. income ≈ HK$37,950/mo (50% DSR)
Upfront cash ≈ HK$500K (deposit + AVD stamp duty HK$65,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,864
−HK$1,073/mo
▼ 0.25% · 3.875%
HK$20,396
−HK$541/mo
Today · 4.125%
HK$20,937
baseline
▲ 0.50% · 4.625%
HK$22,040
+HK$1,103/mo
Deposit HK$435K · loan HK$3.92M · min. income ≈ HK$41,874/mo (50% DSR)
Upfront cash ≈ HK$500K (deposit + AVD stamp duty HK$65,253 · 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).