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$9,936
−HK$623/mo
▼ 0.25% · 3.875%
HK$10,245
−HK$314/mo
Today · 4.125%
HK$10,559
baseline
▲ 0.50% · 4.625%
HK$11,202
+HK$643/mo
Deposit HK$2.18M · loan HK$2.18M · min. income ≈ HK$21,118/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$65,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,054
−HK$597/mo
▼ 0.25% · 3.875%
HK$11,350
−HK$301/mo
Today · 4.125%
HK$11,651
baseline
▲ 0.50% · 4.625%
HK$12,265
+HK$614/mo
Deposit HK$2.18M · loan HK$2.18M · min. income ≈ HK$23,302/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$65,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,923
−HK$748/mo
▼ 0.25% · 3.875%
HK$12,294
−HK$377/mo
Today · 4.125%
HK$12,671
baseline
▲ 0.50% · 4.625%
HK$13,442
+HK$771/mo
Deposit HK$1.74M · loan HK$2.61M · min. income ≈ HK$25,342/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$65,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,264
−HK$717/mo
▼ 0.25% · 3.875%
HK$13,620
−HK$361/mo
Today · 4.125%
HK$13,981
baseline
▲ 0.50% · 4.625%
HK$14,718
+HK$737/mo
Deposit HK$1.74M · loan HK$2.61M · min. income ≈ HK$27,962/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$65,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,910
−HK$873/mo
▼ 0.25% · 3.875%
HK$14,343
−HK$440/mo
Today · 4.125%
HK$14,783
baseline
▲ 0.50% · 4.625%
HK$15,682
+HK$899/mo
Deposit HK$1.31M · loan HK$3.05M · min. income ≈ HK$29,566/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$65,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,475
−HK$836/mo
▼ 0.25% · 3.875%
HK$15,890
−HK$421/mo
Today · 4.125%
HK$16,311
baseline
▲ 0.50% · 4.625%
HK$17,171
+HK$860/mo
Deposit HK$1.31M · loan HK$3.05M · min. income ≈ HK$32,622/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$65,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,885
−HK$1,121/mo
▼ 0.25% · 3.875%
HK$18,441
−HK$565/mo
Today · 4.125%
HK$19,006
baseline
▲ 0.50% · 4.625%
HK$20,163
+HK$1,157/mo
Deposit HK$436K · loan HK$3.92M · min. income ≈ HK$38,012/mo (50% DSR)
Upfront cash ≈ HK$501K (deposit + AVD stamp duty HK$65,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,897
−HK$1,075/mo
▼ 0.25% · 3.875%
HK$20,430
−HK$542/mo
Today · 4.125%
HK$20,972
baseline
▲ 0.50% · 4.625%
HK$22,077
+HK$1,105/mo
Deposit HK$436K · loan HK$3.92M · min. income ≈ HK$41,944/mo (50% DSR)
Upfront cash ≈ HK$501K (deposit + AVD stamp duty HK$65,361 · 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).