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$9,928
−HK$623/mo
▼ 0.25% · 3.875%
HK$10,237
−HK$314/mo
Today · 4.125%
HK$10,551
baseline
▲ 0.50% · 4.625%
HK$11,193
+HK$642/mo
Deposit HK$2.18M · loan HK$2.18M · min. income ≈ HK$21,102/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$65,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,045
−HK$597/mo
▼ 0.25% · 3.875%
HK$11,341
−HK$301/mo
Today · 4.125%
HK$11,642
baseline
▲ 0.50% · 4.625%
HK$12,255
+HK$613/mo
Deposit HK$2.18M · loan HK$2.18M · min. income ≈ HK$23,284/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$65,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,914
−HK$747/mo
▼ 0.25% · 3.875%
HK$12,284
−HK$377/mo
Today · 4.125%
HK$12,661
baseline
▲ 0.50% · 4.625%
HK$13,431
+HK$770/mo
Deposit HK$1.74M · loan HK$2.61M · min. income ≈ HK$25,322/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$65,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,254
−HK$716/mo
▼ 0.25% · 3.875%
HK$13,609
−HK$361/mo
Today · 4.125%
HK$13,970
baseline
▲ 0.50% · 4.625%
HK$14,706
+HK$736/mo
Deposit HK$1.74M · loan HK$2.61M · min. income ≈ HK$27,940/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$65,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,899
−HK$872/mo
▼ 0.25% · 3.875%
HK$14,332
−HK$439/mo
Today · 4.125%
HK$14,771
baseline
▲ 0.50% · 4.625%
HK$15,670
+HK$899/mo
Deposit HK$1.31M · loan HK$3.05M · min. income ≈ HK$29,542/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$65,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,463
−HK$835/mo
▼ 0.25% · 3.875%
HK$15,878
−HK$420/mo
Today · 4.125%
HK$16,298
baseline
▲ 0.50% · 4.625%
HK$17,157
+HK$859/mo
Deposit HK$1.31M · loan HK$3.05M · min. income ≈ HK$32,596/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$65,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,871
−HK$1,120/mo
▼ 0.25% · 3.875%
HK$18,426
−HK$565/mo
Today · 4.125%
HK$18,991
baseline
▲ 0.50% · 4.625%
HK$20,147
+HK$1,156/mo
Deposit HK$435K · loan HK$3.92M · min. income ≈ HK$37,982/mo (50% DSR)
Upfront cash ≈ HK$501K (deposit + AVD stamp duty HK$65,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,881
−HK$1,074/mo
▼ 0.25% · 3.875%
HK$20,414
−HK$541/mo
Today · 4.125%
HK$20,955
baseline
▲ 0.50% · 4.625%
HK$22,059
+HK$1,104/mo
Deposit HK$435K · loan HK$3.92M · min. income ≈ HK$41,910/mo (50% DSR)
Upfront cash ≈ HK$501K (deposit + AVD stamp duty HK$65,310 · 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).