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$9,933
−HK$623/mo
▼ 0.25% · 3.875%
HK$10,242
−HK$314/mo
Today · 4.125%
HK$10,556
baseline
▲ 0.50% · 4.625%
HK$11,198
+HK$642/mo
Deposit HK$2.18M · loan HK$2.18M · min. income ≈ HK$21,112/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$65,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,050
−HK$597/mo
▼ 0.25% · 3.875%
HK$11,347
−HK$300/mo
Today · 4.125%
HK$11,647
baseline
▲ 0.50% · 4.625%
HK$12,261
+HK$614/mo
Deposit HK$2.18M · loan HK$2.18M · min. income ≈ HK$23,294/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$65,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,919
−HK$748/mo
▼ 0.25% · 3.875%
HK$12,290
−HK$377/mo
Today · 4.125%
HK$12,667
baseline
▲ 0.50% · 4.625%
HK$13,438
+HK$771/mo
Deposit HK$1.74M · loan HK$2.61M · min. income ≈ HK$25,334/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$65,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,260
−HK$717/mo
▼ 0.25% · 3.875%
HK$13,616
−HK$361/mo
Today · 4.125%
HK$13,977
baseline
▲ 0.50% · 4.625%
HK$14,713
+HK$736/mo
Deposit HK$1.74M · loan HK$2.61M · min. income ≈ HK$27,954/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$65,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,906
−HK$872/mo
▼ 0.25% · 3.875%
HK$14,338
−HK$440/mo
Today · 4.125%
HK$14,778
baseline
▲ 0.50% · 4.625%
HK$15,677
+HK$899/mo
Deposit HK$1.31M · loan HK$3.05M · min. income ≈ HK$29,556/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$65,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,470
−HK$836/mo
▼ 0.25% · 3.875%
HK$15,885
−HK$421/mo
Today · 4.125%
HK$16,306
baseline
▲ 0.50% · 4.625%
HK$17,166
+HK$860/mo
Deposit HK$1.31M · loan HK$3.05M · min. income ≈ HK$32,612/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$65,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,879
−HK$1,121/mo
▼ 0.25% · 3.875%
HK$18,435
−HK$565/mo
Today · 4.125%
HK$19,000
baseline
▲ 0.50% · 4.625%
HK$20,156
+HK$1,156/mo
Deposit HK$436K · loan HK$3.92M · min. income ≈ HK$38,000/mo (50% DSR)
Upfront cash ≈ HK$501K (deposit + AVD stamp duty HK$65,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,890
−HK$1,075/mo
▼ 0.25% · 3.875%
HK$20,424
−HK$541/mo
Today · 4.125%
HK$20,965
baseline
▲ 0.50% · 4.625%
HK$22,070
+HK$1,105/mo
Deposit HK$436K · loan HK$3.92M · min. income ≈ HK$41,930/mo (50% DSR)
Upfront cash ≈ HK$501K (deposit + AVD stamp duty HK$65,341 · 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).