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$9,879
−HK$619/mo
▼ 0.25% · 3.875%
HK$10,186
−HK$312/mo
Today · 4.125%
HK$10,498
baseline
▲ 0.50% · 4.625%
HK$11,137
+HK$639/mo
Deposit HK$2.17M · loan HK$2.17M · min. income ≈ HK$20,996/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$64,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,990
−HK$594/mo
▼ 0.25% · 3.875%
HK$11,285
−HK$299/mo
Today · 4.125%
HK$11,584
baseline
▲ 0.50% · 4.625%
HK$12,194
+HK$610/mo
Deposit HK$2.17M · loan HK$2.17M · min. income ≈ HK$23,168/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$64,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,854
−HK$744/mo
▼ 0.25% · 3.875%
HK$12,223
−HK$375/mo
Today · 4.125%
HK$12,598
baseline
▲ 0.50% · 4.625%
HK$13,364
+HK$766/mo
Deposit HK$1.73M · loan HK$2.60M · min. income ≈ HK$25,196/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$64,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,188
−HK$712/mo
▼ 0.25% · 3.875%
HK$13,542
−HK$358/mo
Today · 4.125%
HK$13,900
baseline
▲ 0.50% · 4.625%
HK$14,633
+HK$733/mo
Deposit HK$1.73M · loan HK$2.60M · min. income ≈ HK$27,800/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$64,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,830
−HK$867/mo
▼ 0.25% · 3.875%
HK$14,260
−HK$437/mo
Today · 4.125%
HK$14,697
baseline
▲ 0.50% · 4.625%
HK$15,592
+HK$895/mo
Deposit HK$1.30M · loan HK$3.03M · min. income ≈ HK$29,394/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$64,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,386
−HK$831/mo
▼ 0.25% · 3.875%
HK$15,798
−HK$419/mo
Today · 4.125%
HK$16,217
baseline
▲ 0.50% · 4.625%
HK$17,072
+HK$855/mo
Deposit HK$1.30M · loan HK$3.03M · min. income ≈ HK$32,434/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$64,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,781
−HK$1,116/mo
▼ 0.25% · 3.875%
HK$18,335
−HK$562/mo
Today · 4.125%
HK$18,897
baseline
▲ 0.50% · 4.625%
HK$20,046
+HK$1,149/mo
Deposit HK$433K · loan HK$3.90M · min. income ≈ HK$37,794/mo (50% DSR)
Upfront cash ≈ HK$498K (deposit + AVD stamp duty HK$64,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,782
−HK$1,068/mo
▼ 0.25% · 3.875%
HK$20,312
−HK$538/mo
Today · 4.125%
HK$20,850
baseline
▲ 0.50% · 4.625%
HK$21,950
+HK$1,100/mo
Deposit HK$433K · loan HK$3.90M · min. income ≈ HK$41,700/mo (50% DSR)
Upfront cash ≈ HK$498K (deposit + AVD stamp duty HK$64,984 · 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).