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$9,905
−HK$621/mo
▼ 0.25% · 3.875%
HK$10,213
−HK$313/mo
Today · 4.125%
HK$10,526
baseline
▲ 0.50% · 4.625%
HK$11,166
+HK$640/mo
Deposit HK$2.17M · loan HK$2.17M · min. income ≈ HK$21,052/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$65,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,019
−HK$595/mo
▼ 0.25% · 3.875%
HK$11,314
−HK$300/mo
Today · 4.125%
HK$11,614
baseline
▲ 0.50% · 4.625%
HK$12,226
+HK$612/mo
Deposit HK$2.17M · loan HK$2.17M · min. income ≈ HK$23,228/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$65,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,886
−HK$745/mo
▼ 0.25% · 3.875%
HK$12,255
−HK$376/mo
Today · 4.125%
HK$12,631
baseline
▲ 0.50% · 4.625%
HK$13,399
+HK$768/mo
Deposit HK$1.74M · loan HK$2.61M · min. income ≈ HK$25,262/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$65,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,223
−HK$714/mo
▼ 0.25% · 3.875%
HK$13,577
−HK$360/mo
Today · 4.125%
HK$13,937
baseline
▲ 0.50% · 4.625%
HK$14,672
+HK$735/mo
Deposit HK$1.74M · loan HK$2.61M · min. income ≈ HK$27,874/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$65,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,867
−HK$869/mo
▼ 0.25% · 3.875%
HK$14,298
−HK$438/mo
Today · 4.125%
HK$14,736
baseline
▲ 0.50% · 4.625%
HK$15,633
+HK$897/mo
Deposit HK$1.30M · loan HK$3.04M · min. income ≈ HK$29,472/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$65,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,426
−HK$834/mo
▼ 0.25% · 3.875%
HK$15,840
−HK$420/mo
Today · 4.125%
HK$16,260
baseline
▲ 0.50% · 4.625%
HK$17,117
+HK$857/mo
Deposit HK$1.30M · loan HK$3.04M · min. income ≈ HK$32,520/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$65,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,828
−HK$1,118/mo
▼ 0.25% · 3.875%
HK$18,383
−HK$563/mo
Today · 4.125%
HK$18,946
baseline
▲ 0.50% · 4.625%
HK$20,099
+HK$1,153/mo
Deposit HK$434K · loan HK$3.91M · min. income ≈ HK$37,892/mo (50% DSR)
Upfront cash ≈ HK$500K (deposit + AVD stamp duty HK$65,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,834
−HK$1,071/mo
▼ 0.25% · 3.875%
HK$20,366
−HK$539/mo
Today · 4.125%
HK$20,905
baseline
▲ 0.50% · 4.625%
HK$22,007
+HK$1,102/mo
Deposit HK$434K · loan HK$3.91M · min. income ≈ HK$41,810/mo (50% DSR)
Upfront cash ≈ HK$500K (deposit + AVD stamp duty HK$65,155 · 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).