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$10,231
−HK$313/mo
Today · 4.125%
HK$10,544
baseline
▲ 0.50% · 4.625%
HK$11,186
+HK$642/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$65,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,038
−HK$597/mo
▼ 0.25% · 3.875%
HK$11,334
−HK$301/mo
Today · 4.125%
HK$11,635
baseline
▲ 0.50% · 4.625%
HK$12,248
+HK$613/mo
Deposit HK$2.18M · loan HK$2.18M · min. income ≈ HK$23,270/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$65,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,907
−HK$746/mo
▼ 0.25% · 3.875%
HK$12,277
−HK$376/mo
Today · 4.125%
HK$12,653
baseline
▲ 0.50% · 4.625%
HK$13,423
+HK$770/mo
Deposit HK$1.74M · loan HK$2.61M · min. income ≈ HK$25,306/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$65,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,246
−HK$716/mo
▼ 0.25% · 3.875%
HK$13,601
−HK$361/mo
Today · 4.125%
HK$13,962
baseline
▲ 0.50% · 4.625%
HK$14,698
+HK$736/mo
Deposit HK$1.74M · loan HK$2.61M · min. income ≈ HK$27,924/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$65,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,891
−HK$871/mo
▼ 0.25% · 3.875%
HK$14,323
−HK$439/mo
Today · 4.125%
HK$14,762
baseline
▲ 0.50% · 4.625%
HK$15,660
+HK$898/mo
Deposit HK$1.31M · loan HK$3.05M · min. income ≈ HK$29,524/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$65,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,454
−HK$835/mo
▼ 0.25% · 3.875%
HK$15,868
−HK$421/mo
Today · 4.125%
HK$16,289
baseline
▲ 0.50% · 4.625%
HK$17,147
+HK$858/mo
Deposit HK$1.31M · loan HK$3.05M · min. income ≈ HK$32,578/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$65,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,860
−HK$1,120/mo
▼ 0.25% · 3.875%
HK$18,416
−HK$564/mo
Today · 4.125%
HK$18,980
baseline
▲ 0.50% · 4.625%
HK$20,135
+HK$1,155/mo
Deposit HK$435K · loan HK$3.92M · min. income ≈ HK$37,960/mo (50% DSR)
Upfront cash ≈ HK$500K (deposit + AVD stamp duty HK$65,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,869
−HK$1,074/mo
▼ 0.25% · 3.875%
HK$20,402
−HK$541/mo
Today · 4.125%
HK$20,943
baseline
▲ 0.50% · 4.625%
HK$22,046
+HK$1,103/mo
Deposit HK$435K · loan HK$3.92M · min. income ≈ HK$41,886/mo (50% DSR)
Upfront cash ≈ HK$500K (deposit + AVD stamp duty HK$65,271 · 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).