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$9,875
−HK$620/mo
▼ 0.25% · 3.875%
HK$10,183
−HK$312/mo
Today · 4.125%
HK$10,495
baseline
▲ 0.50% · 4.625%
HK$11,133
+HK$638/mo
Deposit HK$2.17M · loan HK$2.17M · min. income ≈ HK$20,990/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$64,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,986
−HK$594/mo
▼ 0.25% · 3.875%
HK$11,281
−HK$299/mo
Today · 4.125%
HK$11,580
baseline
▲ 0.50% · 4.625%
HK$12,190
+HK$610/mo
Deposit HK$2.17M · loan HK$2.17M · min. income ≈ HK$23,160/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$64,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,851
−HK$743/mo
▼ 0.25% · 3.875%
HK$12,219
−HK$375/mo
Today · 4.125%
HK$12,594
baseline
▲ 0.50% · 4.625%
HK$13,360
+HK$766/mo
Deposit HK$1.73M · loan HK$2.60M · min. income ≈ HK$25,188/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$64,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,184
−HK$712/mo
▼ 0.25% · 3.875%
HK$13,537
−HK$359/mo
Today · 4.125%
HK$13,896
baseline
▲ 0.50% · 4.625%
HK$14,628
+HK$732/mo
Deposit HK$1.73M · loan HK$2.60M · min. income ≈ HK$27,792/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$64,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,826
−HK$867/mo
▼ 0.25% · 3.875%
HK$14,256
−HK$437/mo
Today · 4.125%
HK$14,693
baseline
▲ 0.50% · 4.625%
HK$15,587
+HK$894/mo
Deposit HK$1.30M · loan HK$3.03M · min. income ≈ HK$29,386/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$64,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,381
−HK$831/mo
▼ 0.25% · 3.875%
HK$15,793
−HK$419/mo
Today · 4.125%
HK$16,212
baseline
▲ 0.50% · 4.625%
HK$17,066
+HK$854/mo
Deposit HK$1.30M · loan HK$3.03M · min. income ≈ HK$32,424/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$64,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,776
−HK$1,115/mo
▼ 0.25% · 3.875%
HK$18,329
−HK$562/mo
Today · 4.125%
HK$18,891
baseline
▲ 0.50% · 4.625%
HK$20,040
+HK$1,149/mo
Deposit HK$433K · loan HK$3.90M · min. income ≈ HK$37,782/mo (50% DSR)
Upfront cash ≈ HK$498K (deposit + AVD stamp duty HK$64,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,775
−HK$1,069/mo
▼ 0.25% · 3.875%
HK$20,306
−HK$538/mo
Today · 4.125%
HK$20,844
baseline
▲ 0.50% · 4.625%
HK$21,943
+HK$1,099/mo
Deposit HK$433K · loan HK$3.90M · min. income ≈ HK$41,688/mo (50% DSR)
Upfront cash ≈ HK$498K (deposit + AVD stamp duty HK$64,964 · 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).