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$9,916
−HK$622/mo
▼ 0.25% · 3.875%
HK$10,225
−HK$313/mo
Today · 4.125%
HK$10,538
baseline
▲ 0.50% · 4.625%
HK$11,180
+HK$642/mo
Deposit HK$2.17M · loan HK$2.17M · min. income ≈ HK$21,076/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$65,233 · 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$65,233 · 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$13,415
+HK$769/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$65,233 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,238
−HK$716/mo
▼ 0.25% · 3.875%
HK$13,593
−HK$361/mo
Today · 4.125%
HK$13,954
baseline
▲ 0.50% · 4.625%
HK$14,689
+HK$735/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$65,233 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,883
−HK$871/mo
▼ 0.25% · 3.875%
HK$14,315
−HK$439/mo
Today · 4.125%
HK$14,754
baseline
▲ 0.50% · 4.625%
HK$15,651
+HK$897/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$65,233 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,445
−HK$834/mo
▼ 0.25% · 3.875%
HK$15,859
−HK$420/mo
Today · 4.125%
HK$16,279
baseline
▲ 0.50% · 4.625%
HK$17,137
+HK$858/mo
Deposit HK$1.30M · loan HK$3.04M · min. income ≈ HK$32,558/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$65,233 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,850
−HK$1,119/mo
▼ 0.25% · 3.875%
HK$18,405
−HK$564/mo
Today · 4.125%
HK$18,969
baseline
▲ 0.50% · 4.625%
HK$20,123
+HK$1,154/mo
Deposit HK$435K · loan HK$3.91M · min. income ≈ HK$37,938/mo (50% DSR)
Upfront cash ≈ HK$500K (deposit + AVD stamp duty HK$65,233 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,858
−HK$1,072/mo
▼ 0.25% · 3.875%
HK$20,390
−HK$540/mo
Today · 4.125%
HK$20,930
baseline
▲ 0.50% · 4.625%
HK$22,034
+HK$1,104/mo
Deposit HK$435K · loan HK$3.91M · min. income ≈ HK$41,860/mo (50% DSR)
Upfront cash ≈ HK$500K (deposit + AVD stamp duty HK$65,233 · 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).