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$9,914
−HK$621/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$65,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,029
−HK$596/mo
▼ 0.25% · 3.875%
HK$11,325
−HK$300/mo
Today · 4.125%
HK$11,625
baseline
▲ 0.50% · 4.625%
HK$12,238
+HK$613/mo
Deposit HK$2.17M · loan HK$2.17M · min. income ≈ HK$23,250/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$65,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,896
−HK$746/mo
▼ 0.25% · 3.875%
HK$12,267
−HK$375/mo
Today · 4.125%
HK$12,642
baseline
▲ 0.50% · 4.625%
HK$13,412
+HK$770/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$65,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,235
−HK$715/mo
▼ 0.25% · 3.875%
HK$13,590
−HK$360/mo
Today · 4.125%
HK$13,950
baseline
▲ 0.50% · 4.625%
HK$14,685
+HK$735/mo
Deposit HK$1.74M · loan HK$2.61M · min. income ≈ HK$27,900/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$65,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,879
−HK$871/mo
▼ 0.25% · 3.875%
HK$14,311
−HK$439/mo
Today · 4.125%
HK$14,750
baseline
▲ 0.50% · 4.625%
HK$15,647
+HK$897/mo
Deposit HK$1.30M · loan HK$3.04M · min. income ≈ HK$29,500/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$65,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,441
−HK$834/mo
▼ 0.25% · 3.875%
HK$15,855
−HK$420/mo
Today · 4.125%
HK$16,275
baseline
▲ 0.50% · 4.625%
HK$17,133
+HK$858/mo
Deposit HK$1.30M · loan HK$3.04M · min. income ≈ HK$32,550/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$65,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,845
−HK$1,119/mo
▼ 0.25% · 3.875%
HK$18,400
−HK$564/mo
Today · 4.125%
HK$18,964
baseline
▲ 0.50% · 4.625%
HK$20,118
+HK$1,154/mo
Deposit HK$435K · loan HK$3.91M · min. income ≈ HK$37,928/mo (50% DSR)
Upfront cash ≈ HK$500K (deposit + AVD stamp duty HK$65,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,852
−HK$1,073/mo
▼ 0.25% · 3.875%
HK$20,384
−HK$541/mo
Today · 4.125%
HK$20,925
baseline
▲ 0.50% · 4.625%
HK$22,028
+HK$1,103/mo
Deposit HK$435K · loan HK$3.91M · min. income ≈ HK$41,850/mo (50% DSR)
Upfront cash ≈ HK$500K (deposit + AVD stamp duty HK$65,215 · 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).