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$9,926
−HK$623/mo
▼ 0.25% · 3.875%
HK$10,235
−HK$314/mo
Today · 4.125%
HK$10,549
baseline
▲ 0.50% · 4.625%
HK$11,191
+HK$642/mo
Deposit HK$2.18M · loan HK$2.18M · min. income ≈ HK$21,098/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$65,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,043
−HK$597/mo
▼ 0.25% · 3.875%
HK$11,339
−HK$301/mo
Today · 4.125%
HK$11,640
baseline
▲ 0.50% · 4.625%
HK$12,253
+HK$613/mo
Deposit HK$2.18M · loan HK$2.18M · min. income ≈ HK$23,280/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$65,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,912
−HK$746/mo
▼ 0.25% · 3.875%
HK$12,282
−HK$376/mo
Today · 4.125%
HK$12,658
baseline
▲ 0.50% · 4.625%
HK$13,429
+HK$771/mo
Deposit HK$1.74M · loan HK$2.61M · min. income ≈ HK$25,316/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$65,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,251
−HK$716/mo
▼ 0.25% · 3.875%
HK$13,607
−HK$360/mo
Today · 4.125%
HK$13,967
baseline
▲ 0.50% · 4.625%
HK$14,704
+HK$737/mo
Deposit HK$1.74M · loan HK$2.61M · min. income ≈ HK$27,934/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$65,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,897
−HK$871/mo
▼ 0.25% · 3.875%
HK$14,329
−HK$439/mo
Today · 4.125%
HK$14,768
baseline
▲ 0.50% · 4.625%
HK$15,667
+HK$899/mo
Deposit HK$1.31M · loan HK$3.05M · min. income ≈ HK$29,536/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$65,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,460
−HK$835/mo
▼ 0.25% · 3.875%
HK$15,875
−HK$420/mo
Today · 4.125%
HK$16,295
baseline
▲ 0.50% · 4.625%
HK$17,154
+HK$859/mo
Deposit HK$1.31M · loan HK$3.05M · min. income ≈ HK$32,590/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$65,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,867
−HK$1,121/mo
▼ 0.25% · 3.875%
HK$18,423
−HK$565/mo
Today · 4.125%
HK$18,988
baseline
▲ 0.50% · 4.625%
HK$20,143
+HK$1,155/mo
Deposit HK$435K · loan HK$3.92M · min. income ≈ HK$37,976/mo (50% DSR)
Upfront cash ≈ HK$501K (deposit + AVD stamp duty HK$65,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,877
−HK$1,074/mo
▼ 0.25% · 3.875%
HK$20,410
−HK$541/mo
Today · 4.125%
HK$20,951
baseline
▲ 0.50% · 4.625%
HK$22,055
+HK$1,104/mo
Deposit HK$435K · loan HK$3.92M · min. income ≈ HK$41,902/mo (50% DSR)
Upfront cash ≈ HK$501K (deposit + AVD stamp duty HK$65,298 · 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).