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$9,900
−HK$621/mo
▼ 0.25% · 3.875%
HK$10,208
−HK$313/mo
Today · 4.125%
HK$10,521
baseline
▲ 0.50% · 4.625%
HK$11,161
+HK$640/mo
Deposit HK$2.17M · loan HK$2.17M · min. income ≈ HK$21,042/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$65,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,014
−HK$595/mo
▼ 0.25% · 3.875%
HK$11,309
−HK$300/mo
Today · 4.125%
HK$11,609
baseline
▲ 0.50% · 4.625%
HK$12,221
+HK$612/mo
Deposit HK$2.17M · loan HK$2.17M · min. income ≈ HK$23,218/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$65,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,880
−HK$745/mo
▼ 0.25% · 3.875%
HK$12,250
−HK$375/mo
Today · 4.125%
HK$12,625
baseline
▲ 0.50% · 4.625%
HK$13,393
+HK$768/mo
Deposit HK$1.74M · loan HK$2.60M · min. income ≈ HK$25,250/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$65,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,216
−HK$715/mo
▼ 0.25% · 3.875%
HK$13,571
−HK$360/mo
Today · 4.125%
HK$13,931
baseline
▲ 0.50% · 4.625%
HK$14,665
+HK$734/mo
Deposit HK$1.74M · loan HK$2.60M · min. income ≈ HK$27,862/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$65,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,860
−HK$869/mo
▼ 0.25% · 3.875%
HK$14,291
−HK$438/mo
Today · 4.125%
HK$14,729
baseline
▲ 0.50% · 4.625%
HK$15,625
+HK$896/mo
Deposit HK$1.30M · loan HK$3.04M · min. income ≈ HK$29,458/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$65,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,419
−HK$833/mo
▼ 0.25% · 3.875%
HK$15,833
−HK$419/mo
Today · 4.125%
HK$16,252
baseline
▲ 0.50% · 4.625%
HK$17,109
+HK$857/mo
Deposit HK$1.30M · loan HK$3.04M · min. income ≈ HK$32,504/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$65,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,820
−HK$1,118/mo
▼ 0.25% · 3.875%
HK$18,374
−HK$564/mo
Today · 4.125%
HK$18,938
baseline
▲ 0.50% · 4.625%
HK$20,090
+HK$1,152/mo
Deposit HK$434K · loan HK$3.91M · min. income ≈ HK$37,876/mo (50% DSR)
Upfront cash ≈ HK$499K (deposit + AVD stamp duty HK$65,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,825
−HK$1,071/mo
▼ 0.25% · 3.875%
HK$20,356
−HK$540/mo
Today · 4.125%
HK$20,896
baseline
▲ 0.50% · 4.625%
HK$21,997
+HK$1,101/mo
Deposit HK$434K · loan HK$3.91M · min. income ≈ HK$41,792/mo (50% DSR)
Upfront cash ≈ HK$499K (deposit + AVD stamp duty HK$65,125 · 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).