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$9,913
−HK$622/mo
▼ 0.25% · 3.875%
HK$10,222
−HK$313/mo
Today · 4.125%
HK$10,535
baseline
▲ 0.50% · 4.625%
HK$11,176
+HK$641/mo
Deposit HK$2.17M · loan HK$2.17M · min. income ≈ HK$21,070/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$65,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,028
−HK$596/mo
▼ 0.25% · 3.875%
HK$11,324
−HK$300/mo
Today · 4.125%
HK$11,624
baseline
▲ 0.50% · 4.625%
HK$12,237
+HK$613/mo
Deposit HK$2.17M · loan HK$2.17M · min. income ≈ HK$23,248/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$65,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,896
−HK$746/mo
▼ 0.25% · 3.875%
HK$12,266
−HK$376/mo
Today · 4.125%
HK$12,642
baseline
▲ 0.50% · 4.625%
HK$13,411
+HK$769/mo
Deposit HK$1.74M · loan HK$2.61M · min. income ≈ HK$25,284/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$65,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,234
−HK$715/mo
▼ 0.25% · 3.875%
HK$13,589
−HK$360/mo
Today · 4.125%
HK$13,949
baseline
▲ 0.50% · 4.625%
HK$14,684
+HK$735/mo
Deposit HK$1.74M · loan HK$2.61M · min. income ≈ HK$27,898/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$65,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,879
−HK$870/mo
▼ 0.25% · 3.875%
HK$14,310
−HK$439/mo
Today · 4.125%
HK$14,749
baseline
▲ 0.50% · 4.625%
HK$15,646
+HK$897/mo
Deposit HK$1.30M · loan HK$3.04M · min. income ≈ HK$29,498/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$65,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,440
−HK$834/mo
▼ 0.25% · 3.875%
HK$15,854
−HK$420/mo
Today · 4.125%
HK$16,274
baseline
▲ 0.50% · 4.625%
HK$17,132
+HK$858/mo
Deposit HK$1.30M · loan HK$3.04M · min. income ≈ HK$32,548/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$65,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,844
−HK$1,119/mo
▼ 0.25% · 3.875%
HK$18,399
−HK$564/mo
Today · 4.125%
HK$18,963
baseline
▲ 0.50% · 4.625%
HK$20,117
+HK$1,154/mo
Deposit HK$435K · loan HK$3.91M · min. income ≈ HK$37,926/mo (50% DSR)
Upfront cash ≈ HK$500K (deposit + AVD stamp duty HK$65,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,851
−HK$1,073/mo
▼ 0.25% · 3.875%
HK$20,384
−HK$540/mo
Today · 4.125%
HK$20,924
baseline
▲ 0.50% · 4.625%
HK$22,027
+HK$1,103/mo
Deposit HK$435K · loan HK$3.91M · min. income ≈ HK$41,848/mo (50% DSR)
Upfront cash ≈ HK$500K (deposit + AVD stamp duty HK$65,212 · 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).