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$9,917
−HK$622/mo
▼ 0.25% · 3.875%
HK$10,225
−HK$314/mo
Today · 4.125%
HK$10,539
baseline
▲ 0.50% · 4.625%
HK$11,180
+HK$641/mo
Deposit HK$2.17M · loan HK$2.17M · min. income ≈ HK$21,078/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$65,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,032
−HK$596/mo
▼ 0.25% · 3.875%
HK$11,328
−HK$300/mo
Today · 4.125%
HK$11,628
baseline
▲ 0.50% · 4.625%
HK$12,241
+HK$613/mo
Deposit HK$2.17M · loan HK$2.17M · min. income ≈ HK$23,256/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$65,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,900
−HK$746/mo
▼ 0.25% · 3.875%
HK$12,270
−HK$376/mo
Today · 4.125%
HK$12,646
baseline
▲ 0.50% · 4.625%
HK$13,416
+HK$770/mo
Deposit HK$1.74M · loan HK$2.61M · min. income ≈ HK$25,292/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$65,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,239
−HK$715/mo
▼ 0.25% · 3.875%
HK$13,594
−HK$360/mo
Today · 4.125%
HK$13,954
baseline
▲ 0.50% · 4.625%
HK$14,690
+HK$736/mo
Deposit HK$1.74M · loan HK$2.61M · min. income ≈ HK$27,908/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$65,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,884
−HK$870/mo
▼ 0.25% · 3.875%
HK$14,315
−HK$439/mo
Today · 4.125%
HK$14,754
baseline
▲ 0.50% · 4.625%
HK$15,652
+HK$898/mo
Deposit HK$1.30M · loan HK$3.04M · min. income ≈ HK$29,508/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$65,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,445
−HK$835/mo
▼ 0.25% · 3.875%
HK$15,859
−HK$421/mo
Today · 4.125%
HK$16,280
baseline
▲ 0.50% · 4.625%
HK$17,138
+HK$858/mo
Deposit HK$1.30M · loan HK$3.04M · min. income ≈ HK$32,560/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$65,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,850
−HK$1,120/mo
▼ 0.25% · 3.875%
HK$18,405
−HK$565/mo
Today · 4.125%
HK$18,970
baseline
▲ 0.50% · 4.625%
HK$20,124
+HK$1,154/mo
Deposit HK$435K · loan HK$3.91M · min. income ≈ HK$37,940/mo (50% DSR)
Upfront cash ≈ HK$500K (deposit + AVD stamp duty HK$65,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,858
−HK$1,073/mo
▼ 0.25% · 3.875%
HK$20,391
−HK$540/mo
Today · 4.125%
HK$20,931
baseline
▲ 0.50% · 4.625%
HK$22,034
+HK$1,103/mo
Deposit HK$435K · loan HK$3.91M · min. income ≈ HK$41,862/mo (50% DSR)
Upfront cash ≈ HK$500K (deposit + AVD stamp duty HK$65,235 · 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).