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$9,925
−HK$622/mo
▼ 0.25% · 3.875%
HK$10,234
−HK$313/mo
Today · 4.125%
HK$10,547
baseline
▲ 0.50% · 4.625%
HK$11,189
+HK$642/mo
Deposit HK$2.18M · loan HK$2.18M · min. income ≈ HK$21,094/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$65,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,041
−HK$597/mo
▼ 0.25% · 3.875%
HK$11,337
−HK$301/mo
Today · 4.125%
HK$11,638
baseline
▲ 0.50% · 4.625%
HK$12,251
+HK$613/mo
Deposit HK$2.18M · loan HK$2.18M · min. income ≈ HK$23,276/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$65,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,910
−HK$747/mo
▼ 0.25% · 3.875%
HK$12,280
−HK$377/mo
Today · 4.125%
HK$12,657
baseline
▲ 0.50% · 4.625%
HK$13,427
+HK$770/mo
Deposit HK$1.74M · loan HK$2.61M · min. income ≈ HK$25,314/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$65,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,250
−HK$715/mo
▼ 0.25% · 3.875%
HK$13,605
−HK$360/mo
Today · 4.125%
HK$13,965
baseline
▲ 0.50% · 4.625%
HK$14,701
+HK$736/mo
Deposit HK$1.74M · loan HK$2.61M · min. income ≈ HK$27,930/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$65,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,895
−HK$871/mo
▼ 0.25% · 3.875%
HK$14,327
−HK$439/mo
Today · 4.125%
HK$14,766
baseline
▲ 0.50% · 4.625%
HK$15,665
+HK$899/mo
Deposit HK$1.31M · loan HK$3.05M · min. income ≈ HK$29,532/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$65,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,458
−HK$835/mo
▼ 0.25% · 3.875%
HK$15,872
−HK$421/mo
Today · 4.125%
HK$16,293
baseline
▲ 0.50% · 4.625%
HK$17,152
+HK$859/mo
Deposit HK$1.31M · loan HK$3.05M · min. income ≈ HK$32,586/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$65,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,865
−HK$1,120/mo
▼ 0.25% · 3.875%
HK$18,420
−HK$565/mo
Today · 4.125%
HK$18,985
baseline
▲ 0.50% · 4.625%
HK$20,140
+HK$1,155/mo
Deposit HK$435K · loan HK$3.92M · min. income ≈ HK$37,970/mo (50% DSR)
Upfront cash ≈ HK$501K (deposit + AVD stamp duty HK$65,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,874
−HK$1,074/mo
▼ 0.25% · 3.875%
HK$20,407
−HK$541/mo
Today · 4.125%
HK$20,948
baseline
▲ 0.50% · 4.625%
HK$22,052
+HK$1,104/mo
Deposit HK$435K · loan HK$3.92M · min. income ≈ HK$41,896/mo (50% DSR)
Upfront cash ≈ HK$501K (deposit + AVD stamp duty HK$65,288 · 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).