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$9,902
−HK$621/mo
▼ 0.25% · 3.875%
HK$10,210
−HK$313/mo
Today · 4.125%
HK$10,523
baseline
▲ 0.50% · 4.625%
HK$11,164
+HK$641/mo
Deposit HK$2.17M · loan HK$2.17M · min. income ≈ HK$21,046/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$65,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,016
−HK$596/mo
▼ 0.25% · 3.875%
HK$11,312
−HK$300/mo
Today · 4.125%
HK$11,612
baseline
▲ 0.50% · 4.625%
HK$12,224
+HK$612/mo
Deposit HK$2.17M · loan HK$2.17M · min. income ≈ HK$23,224/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$65,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,883
−HK$745/mo
▼ 0.25% · 3.875%
HK$12,253
−HK$375/mo
Today · 4.125%
HK$12,628
baseline
▲ 0.50% · 4.625%
HK$13,397
+HK$769/mo
Deposit HK$1.74M · loan HK$2.61M · min. income ≈ HK$25,256/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$65,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,220
−HK$714/mo
▼ 0.25% · 3.875%
HK$13,574
−HK$360/mo
Today · 4.125%
HK$13,934
baseline
▲ 0.50% · 4.625%
HK$14,668
+HK$734/mo
Deposit HK$1.74M · loan HK$2.61M · min. income ≈ HK$27,868/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$65,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,863
−HK$870/mo
▼ 0.25% · 3.875%
HK$14,295
−HK$438/mo
Today · 4.125%
HK$14,733
baseline
▲ 0.50% · 4.625%
HK$15,629
+HK$896/mo
Deposit HK$1.30M · loan HK$3.04M · min. income ≈ HK$29,466/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$65,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,423
−HK$833/mo
▼ 0.25% · 3.875%
HK$15,837
−HK$419/mo
Today · 4.125%
HK$16,256
baseline
▲ 0.50% · 4.625%
HK$17,113
+HK$857/mo
Deposit HK$1.30M · loan HK$3.04M · min. income ≈ HK$32,512/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$65,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,824
−HK$1,118/mo
▼ 0.25% · 3.875%
HK$18,379
−HK$563/mo
Today · 4.125%
HK$18,942
baseline
▲ 0.50% · 4.625%
HK$20,095
+HK$1,153/mo
Deposit HK$434K · loan HK$3.91M · min. income ≈ HK$37,884/mo (50% DSR)
Upfront cash ≈ HK$499K (deposit + AVD stamp duty HK$65,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,830
−HK$1,071/mo
▼ 0.25% · 3.875%
HK$20,361
−HK$540/mo
Today · 4.125%
HK$20,901
baseline
▲ 0.50% · 4.625%
HK$22,003
+HK$1,102/mo
Deposit HK$434K · loan HK$3.91M · min. income ≈ HK$41,802/mo (50% DSR)
Upfront cash ≈ HK$499K (deposit + AVD stamp duty HK$65,141 · 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).