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$9,939
−HK$623/mo
▼ 0.25% · 3.875%
HK$10,248
−HK$314/mo
Today · 4.125%
HK$10,562
baseline
▲ 0.50% · 4.625%
HK$11,205
+HK$643/mo
Deposit HK$2.18M · loan HK$2.18M · min. income ≈ HK$21,124/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$65,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,057
−HK$597/mo
▼ 0.25% · 3.875%
HK$11,353
−HK$301/mo
Today · 4.125%
HK$11,654
baseline
▲ 0.50% · 4.625%
HK$12,268
+HK$614/mo
Deposit HK$2.18M · loan HK$2.18M · min. income ≈ HK$23,308/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$65,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,927
−HK$747/mo
▼ 0.25% · 3.875%
HK$12,298
−HK$376/mo
Today · 4.125%
HK$12,674
baseline
▲ 0.50% · 4.625%
HK$13,446
+HK$772/mo
Deposit HK$1.74M · loan HK$2.62M · min. income ≈ HK$25,348/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$65,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,268
−HK$717/mo
▼ 0.25% · 3.875%
HK$13,624
−HK$361/mo
Today · 4.125%
HK$13,985
baseline
▲ 0.50% · 4.625%
HK$14,722
+HK$737/mo
Deposit HK$1.74M · loan HK$2.62M · min. income ≈ HK$27,970/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$65,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,914
−HK$873/mo
▼ 0.25% · 3.875%
HK$14,347
−HK$440/mo
Today · 4.125%
HK$14,787
baseline
▲ 0.50% · 4.625%
HK$15,687
+HK$900/mo
Deposit HK$1.31M · loan HK$3.05M · min. income ≈ HK$29,574/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$65,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,479
−HK$837/mo
▼ 0.25% · 3.875%
HK$15,895
−HK$421/mo
Today · 4.125%
HK$16,316
baseline
▲ 0.50% · 4.625%
HK$17,176
+HK$860/mo
Deposit HK$1.31M · loan HK$3.05M · min. income ≈ HK$32,632/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$65,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,890
−HK$1,122/mo
▼ 0.25% · 3.875%
HK$18,446
−HK$566/mo
Today · 4.125%
HK$19,012
baseline
▲ 0.50% · 4.625%
HK$20,168
+HK$1,156/mo
Deposit HK$436K · loan HK$3.92M · min. income ≈ HK$38,024/mo (50% DSR)
Upfront cash ≈ HK$501K (deposit + AVD stamp duty HK$65,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,902
−HK$1,075/mo
▼ 0.25% · 3.875%
HK$20,436
−HK$541/mo
Today · 4.125%
HK$20,977
baseline
▲ 0.50% · 4.625%
HK$22,083
+HK$1,106/mo
Deposit HK$436K · loan HK$3.92M · min. income ≈ HK$41,954/mo (50% DSR)
Upfront cash ≈ HK$501K (deposit + AVD stamp duty HK$65,380 · 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).