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$9,938
−HK$623/mo
▼ 0.25% · 3.875%
HK$10,247
−HK$314/mo
Today · 4.125%
HK$10,561
baseline
▲ 0.50% · 4.625%
HK$11,203
+HK$642/mo
Deposit HK$2.18M · loan HK$2.18M · min. income ≈ HK$21,122/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$65,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,056
−HK$597/mo
▼ 0.25% · 3.875%
HK$11,352
−HK$301/mo
Today · 4.125%
HK$11,653
baseline
▲ 0.50% · 4.625%
HK$12,267
+HK$614/mo
Deposit HK$2.18M · loan HK$2.18M · min. income ≈ HK$23,306/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$65,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,925
−HK$748/mo
▼ 0.25% · 3.875%
HK$12,296
−HK$377/mo
Today · 4.125%
HK$12,673
baseline
▲ 0.50% · 4.625%
HK$13,444
+HK$771/mo
Deposit HK$1.74M · loan HK$2.61M · min. income ≈ HK$25,346/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$65,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,267
−HK$716/mo
▼ 0.25% · 3.875%
HK$13,622
−HK$361/mo
Today · 4.125%
HK$13,983
baseline
▲ 0.50% · 4.625%
HK$14,721
+HK$738/mo
Deposit HK$1.74M · loan HK$2.61M · min. income ≈ HK$27,966/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$65,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,913
−HK$872/mo
▼ 0.25% · 3.875%
HK$14,346
−HK$439/mo
Today · 4.125%
HK$14,785
baseline
▲ 0.50% · 4.625%
HK$15,685
+HK$900/mo
Deposit HK$1.31M · loan HK$3.05M · min. income ≈ HK$29,570/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$65,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,478
−HK$836/mo
▼ 0.25% · 3.875%
HK$15,893
−HK$421/mo
Today · 4.125%
HK$16,314
baseline
▲ 0.50% · 4.625%
HK$17,174
+HK$860/mo
Deposit HK$1.31M · loan HK$3.05M · min. income ≈ HK$32,628/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$65,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,888
−HK$1,122/mo
▼ 0.25% · 3.875%
HK$18,444
−HK$566/mo
Today · 4.125%
HK$19,010
baseline
▲ 0.50% · 4.625%
HK$20,166
+HK$1,156/mo
Deposit HK$436K · loan HK$3.92M · min. income ≈ HK$38,020/mo (50% DSR)
Upfront cash ≈ HK$501K (deposit + AVD stamp duty HK$65,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,900
−HK$1,075/mo
▼ 0.25% · 3.875%
HK$20,434
−HK$541/mo
Today · 4.125%
HK$20,975
baseline
▲ 0.50% · 4.625%
HK$22,081
+HK$1,106/mo
Deposit HK$436K · loan HK$3.92M · min. income ≈ HK$41,950/mo (50% DSR)
Upfront cash ≈ HK$501K (deposit + AVD stamp duty HK$65,373 · 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).