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$9,877
−HK$620/mo
▼ 0.25% · 3.875%
HK$10,185
−HK$312/mo
Today · 4.125%
HK$10,497
baseline
▲ 0.50% · 4.625%
HK$11,136
+HK$639/mo
Deposit HK$2.17M · loan HK$2.17M · min. income ≈ HK$20,994/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$64,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,989
−HK$593/mo
▼ 0.25% · 3.875%
HK$11,283
−HK$299/mo
Today · 4.125%
HK$11,582
baseline
▲ 0.50% · 4.625%
HK$12,193
+HK$611/mo
Deposit HK$2.17M · loan HK$2.17M · min. income ≈ HK$23,164/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$64,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,853
−HK$743/mo
▼ 0.25% · 3.875%
HK$12,222
−HK$374/mo
Today · 4.125%
HK$12,596
baseline
▲ 0.50% · 4.625%
HK$13,363
+HK$767/mo
Deposit HK$1.73M · loan HK$2.60M · min. income ≈ HK$25,192/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$64,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,186
−HK$713/mo
▼ 0.25% · 3.875%
HK$13,540
−HK$359/mo
Today · 4.125%
HK$13,899
baseline
▲ 0.50% · 4.625%
HK$14,631
+HK$732/mo
Deposit HK$1.73M · loan HK$2.60M · min. income ≈ HK$27,798/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$64,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,828
−HK$868/mo
▼ 0.25% · 3.875%
HK$14,258
−HK$438/mo
Today · 4.125%
HK$14,696
baseline
▲ 0.50% · 4.625%
HK$15,590
+HK$894/mo
Deposit HK$1.30M · loan HK$3.03M · min. income ≈ HK$29,392/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$64,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,384
−HK$831/mo
▼ 0.25% · 3.875%
HK$15,796
−HK$419/mo
Today · 4.125%
HK$16,215
baseline
▲ 0.50% · 4.625%
HK$17,070
+HK$855/mo
Deposit HK$1.30M · loan HK$3.03M · min. income ≈ HK$32,430/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$64,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,779
−HK$1,115/mo
▼ 0.25% · 3.875%
HK$18,332
−HK$562/mo
Today · 4.125%
HK$18,894
baseline
▲ 0.50% · 4.625%
HK$20,044
+HK$1,150/mo
Deposit HK$433K · loan HK$3.90M · min. income ≈ HK$37,788/mo (50% DSR)
Upfront cash ≈ HK$498K (deposit + AVD stamp duty HK$64,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,779
−HK$1,069/mo
▼ 0.25% · 3.875%
HK$20,310
−HK$538/mo
Today · 4.125%
HK$20,848
baseline
▲ 0.50% · 4.625%
HK$21,947
+HK$1,099/mo
Deposit HK$433K · loan HK$3.90M · min. income ≈ HK$41,696/mo (50% DSR)
Upfront cash ≈ HK$498K (deposit + AVD stamp duty HK$64,976 · 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).