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$9,929
−HK$623/mo
▼ 0.25% · 3.875%
HK$10,238
−HK$314/mo
Today · 4.125%
HK$10,552
baseline
▲ 0.50% · 4.625%
HK$11,194
+HK$642/mo
Deposit HK$2.18M · loan HK$2.18M · min. income ≈ HK$21,104/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$65,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,046
−HK$597/mo
▼ 0.25% · 3.875%
HK$11,342
−HK$301/mo
Today · 4.125%
HK$11,643
baseline
▲ 0.50% · 4.625%
HK$12,256
+HK$613/mo
Deposit HK$2.18M · loan HK$2.18M · min. income ≈ HK$23,286/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$65,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,915
−HK$747/mo
▼ 0.25% · 3.875%
HK$12,285
−HK$377/mo
Today · 4.125%
HK$12,662
baseline
▲ 0.50% · 4.625%
HK$13,432
+HK$770/mo
Deposit HK$1.74M · loan HK$2.61M · min. income ≈ HK$25,324/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$65,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,255
−HK$716/mo
▼ 0.25% · 3.875%
HK$13,611
−HK$360/mo
Today · 4.125%
HK$13,971
baseline
▲ 0.50% · 4.625%
HK$14,708
+HK$737/mo
Deposit HK$1.74M · loan HK$2.61M · min. income ≈ HK$27,942/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$65,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,901
−HK$871/mo
▼ 0.25% · 3.875%
HK$14,333
−HK$439/mo
Today · 4.125%
HK$14,772
baseline
▲ 0.50% · 4.625%
HK$15,671
+HK$899/mo
Deposit HK$1.31M · loan HK$3.05M · min. income ≈ HK$29,544/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$65,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,464
−HK$836/mo
▼ 0.25% · 3.875%
HK$15,879
−HK$421/mo
Today · 4.125%
HK$16,300
baseline
▲ 0.50% · 4.625%
HK$17,159
+HK$859/mo
Deposit HK$1.31M · loan HK$3.05M · min. income ≈ HK$32,600/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$65,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,872
−HK$1,121/mo
▼ 0.25% · 3.875%
HK$18,428
−HK$565/mo
Today · 4.125%
HK$18,993
baseline
▲ 0.50% · 4.625%
HK$20,149
+HK$1,156/mo
Deposit HK$435K · loan HK$3.92M · min. income ≈ HK$37,986/mo (50% DSR)
Upfront cash ≈ HK$501K (deposit + AVD stamp duty HK$65,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,883
−HK$1,074/mo
▼ 0.25% · 3.875%
HK$20,416
−HK$541/mo
Today · 4.125%
HK$20,957
baseline
▲ 0.50% · 4.625%
HK$22,062
+HK$1,105/mo
Deposit HK$435K · loan HK$3.92M · min. income ≈ HK$41,914/mo (50% DSR)
Upfront cash ≈ HK$501K (deposit + AVD stamp duty HK$65,316 · 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).