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$9,922
−HK$622/mo
▼ 0.25% · 3.875%
HK$10,230
−HK$314/mo
Today · 4.125%
HK$10,544
baseline
▲ 0.50% · 4.625%
HK$11,185
+HK$641/mo
Deposit HK$2.18M · loan HK$2.18M · min. income ≈ HK$21,088/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$65,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,038
−HK$596/mo
▼ 0.25% · 3.875%
HK$11,334
−HK$300/mo
Today · 4.125%
HK$11,634
baseline
▲ 0.50% · 4.625%
HK$12,247
+HK$613/mo
Deposit HK$2.18M · loan HK$2.18M · min. income ≈ HK$23,268/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$65,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,906
−HK$746/mo
▼ 0.25% · 3.875%
HK$12,276
−HK$376/mo
Today · 4.125%
HK$12,652
baseline
▲ 0.50% · 4.625%
HK$13,422
+HK$770/mo
Deposit HK$1.74M · loan HK$2.61M · min. income ≈ HK$25,304/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$65,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,245
−HK$716/mo
▼ 0.25% · 3.875%
HK$13,600
−HK$361/mo
Today · 4.125%
HK$13,961
baseline
▲ 0.50% · 4.625%
HK$14,697
+HK$736/mo
Deposit HK$1.74M · loan HK$2.61M · min. income ≈ HK$27,922/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$65,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,890
−HK$871/mo
▼ 0.25% · 3.875%
HK$14,322
−HK$439/mo
Today · 4.125%
HK$14,761
baseline
▲ 0.50% · 4.625%
HK$15,659
+HK$898/mo
Deposit HK$1.31M · loan HK$3.05M · min. income ≈ HK$29,522/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$65,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,453
−HK$835/mo
▼ 0.25% · 3.875%
HK$15,867
−HK$421/mo
Today · 4.125%
HK$16,288
baseline
▲ 0.50% · 4.625%
HK$17,146
+HK$858/mo
Deposit HK$1.31M · loan HK$3.05M · min. income ≈ HK$32,576/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$65,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,859
−HK$1,120/mo
▼ 0.25% · 3.875%
HK$18,414
−HK$565/mo
Today · 4.125%
HK$18,979
baseline
▲ 0.50% · 4.625%
HK$20,134
+HK$1,155/mo
Deposit HK$435K · loan HK$3.92M · min. income ≈ HK$37,958/mo (50% DSR)
Upfront cash ≈ HK$500K (deposit + AVD stamp duty HK$65,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,868
−HK$1,073/mo
▼ 0.25% · 3.875%
HK$20,401
−HK$540/mo
Today · 4.125%
HK$20,941
baseline
▲ 0.50% · 4.625%
HK$22,045
+HK$1,104/mo
Deposit HK$435K · loan HK$3.92M · min. income ≈ HK$41,882/mo (50% DSR)
Upfront cash ≈ HK$500K (deposit + AVD stamp duty HK$65,267 · 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).