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$9,930
−HK$622/mo
▼ 0.25% · 3.875%
HK$10,239
−HK$313/mo
Today · 4.125%
HK$10,552
baseline
▲ 0.50% · 4.625%
HK$11,195
+HK$643/mo
Deposit HK$2.18M · loan HK$2.18M · min. income ≈ HK$21,104/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$65,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,047
−HK$597/mo
▼ 0.25% · 3.875%
HK$11,343
−HK$301/mo
Today · 4.125%
HK$11,644
baseline
▲ 0.50% · 4.625%
HK$12,257
+HK$613/mo
Deposit HK$2.18M · loan HK$2.18M · min. income ≈ HK$23,288/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$65,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,916
−HK$747/mo
▼ 0.25% · 3.875%
HK$12,286
−HK$377/mo
Today · 4.125%
HK$12,663
baseline
▲ 0.50% · 4.625%
HK$13,433
+HK$770/mo
Deposit HK$1.74M · loan HK$2.61M · min. income ≈ HK$25,326/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$65,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,256
−HK$716/mo
▼ 0.25% · 3.875%
HK$13,612
−HK$360/mo
Today · 4.125%
HK$13,972
baseline
▲ 0.50% · 4.625%
HK$14,709
+HK$737/mo
Deposit HK$1.74M · loan HK$2.61M · min. income ≈ HK$27,944/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$65,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,902
−HK$871/mo
▼ 0.25% · 3.875%
HK$14,334
−HK$439/mo
Today · 4.125%
HK$14,773
baseline
▲ 0.50% · 4.625%
HK$15,672
+HK$899/mo
Deposit HK$1.31M · loan HK$3.05M · min. income ≈ HK$29,546/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$65,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,466
−HK$835/mo
▼ 0.25% · 3.875%
HK$15,880
−HK$421/mo
Today · 4.125%
HK$16,301
baseline
▲ 0.50% · 4.625%
HK$17,160
+HK$859/mo
Deposit HK$1.31M · loan HK$3.05M · min. income ≈ HK$32,602/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$65,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,874
−HK$1,120/mo
▼ 0.25% · 3.875%
HK$18,430
−HK$564/mo
Today · 4.125%
HK$18,994
baseline
▲ 0.50% · 4.625%
HK$20,150
+HK$1,156/mo
Deposit HK$435K · loan HK$3.92M · min. income ≈ HK$37,988/mo (50% DSR)
Upfront cash ≈ HK$501K (deposit + AVD stamp duty HK$65,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,884
−HK$1,075/mo
▼ 0.25% · 3.875%
HK$20,418
−HK$541/mo
Today · 4.125%
HK$20,959
baseline
▲ 0.50% · 4.625%
HK$22,063
+HK$1,104/mo
Deposit HK$435K · loan HK$3.92M · min. income ≈ HK$41,918/mo (50% DSR)
Upfront cash ≈ HK$501K (deposit + AVD stamp duty HK$65,321 · 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).