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$9,890
−HK$621/mo
▼ 0.25% · 3.875%
HK$10,198
−HK$313/mo
Today · 4.125%
HK$10,511
baseline
▲ 0.50% · 4.625%
HK$11,150
+HK$639/mo
Deposit HK$2.17M · loan HK$2.17M · min. income ≈ HK$21,022/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$65,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,003
−HK$594/mo
▼ 0.25% · 3.875%
HK$11,298
−HK$299/mo
Today · 4.125%
HK$11,597
baseline
▲ 0.50% · 4.625%
HK$12,209
+HK$612/mo
Deposit HK$2.17M · loan HK$2.17M · min. income ≈ HK$23,194/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$65,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,868
−HK$745/mo
▼ 0.25% · 3.875%
HK$12,238
−HK$375/mo
Today · 4.125%
HK$12,613
baseline
▲ 0.50% · 4.625%
HK$13,380
+HK$767/mo
Deposit HK$1.73M · loan HK$2.60M · min. income ≈ HK$25,226/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$65,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,203
−HK$714/mo
▼ 0.25% · 3.875%
HK$13,558
−HK$359/mo
Today · 4.125%
HK$13,917
baseline
▲ 0.50% · 4.625%
HK$14,650
+HK$733/mo
Deposit HK$1.73M · loan HK$2.60M · min. income ≈ HK$27,834/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$65,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,846
−HK$869/mo
▼ 0.25% · 3.875%
HK$14,277
−HK$438/mo
Today · 4.125%
HK$14,715
baseline
▲ 0.50% · 4.625%
HK$15,610
+HK$895/mo
Deposit HK$1.30M · loan HK$3.04M · min. income ≈ HK$29,430/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$65,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,404
−HK$832/mo
▼ 0.25% · 3.875%
HK$15,817
−HK$419/mo
Today · 4.125%
HK$16,236
baseline
▲ 0.50% · 4.625%
HK$17,092
+HK$856/mo
Deposit HK$1.30M · loan HK$3.04M · min. income ≈ HK$32,472/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$65,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,803
−HK$1,116/mo
▼ 0.25% · 3.875%
HK$18,356
−HK$563/mo
Today · 4.125%
HK$18,919
baseline
▲ 0.50% · 4.625%
HK$20,070
+HK$1,151/mo
Deposit HK$434K · loan HK$3.90M · min. income ≈ HK$37,838/mo (50% DSR)
Upfront cash ≈ HK$499K (deposit + AVD stamp duty HK$65,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,805
−HK$1,070/mo
▼ 0.25% · 3.875%
HK$20,336
−HK$539/mo
Today · 4.125%
HK$20,875
baseline
▲ 0.50% · 4.625%
HK$21,976
+HK$1,101/mo
Deposit HK$434K · loan HK$3.90M · min. income ≈ HK$41,750/mo (50% DSR)
Upfront cash ≈ HK$499K (deposit + AVD stamp duty HK$65,061 · 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).