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$9,899
−HK$621/mo
▼ 0.25% · 3.875%
HK$10,207
−HK$313/mo
Today · 4.125%
HK$10,520
baseline
▲ 0.50% · 4.625%
HK$11,160
+HK$640/mo
Deposit HK$2.17M · loan HK$2.17M · min. income ≈ HK$21,040/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$65,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,013
−HK$595/mo
▼ 0.25% · 3.875%
HK$11,308
−HK$300/mo
Today · 4.125%
HK$11,608
baseline
▲ 0.50% · 4.625%
HK$12,220
+HK$612/mo
Deposit HK$2.17M · loan HK$2.17M · min. income ≈ HK$23,216/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$65,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,879
−HK$745/mo
▼ 0.25% · 3.875%
HK$12,249
−HK$375/mo
Today · 4.125%
HK$12,624
baseline
▲ 0.50% · 4.625%
HK$13,392
+HK$768/mo
Deposit HK$1.74M · loan HK$2.60M · min. income ≈ HK$25,248/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$65,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,215
−HK$714/mo
▼ 0.25% · 3.875%
HK$13,570
−HK$359/mo
Today · 4.125%
HK$13,929
baseline
▲ 0.50% · 4.625%
HK$14,664
+HK$735/mo
Deposit HK$1.74M · loan HK$2.60M · min. income ≈ HK$27,858/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$65,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,859
−HK$869/mo
▼ 0.25% · 3.875%
HK$14,290
−HK$438/mo
Today · 4.125%
HK$14,728
baseline
▲ 0.50% · 4.625%
HK$15,624
+HK$896/mo
Deposit HK$1.30M · loan HK$3.04M · min. income ≈ HK$29,456/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$65,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,418
−HK$833/mo
▼ 0.25% · 3.875%
HK$15,831
−HK$420/mo
Today · 4.125%
HK$16,251
baseline
▲ 0.50% · 4.625%
HK$17,108
+HK$857/mo
Deposit HK$1.30M · loan HK$3.04M · min. income ≈ HK$32,502/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$65,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,819
−HK$1,117/mo
▼ 0.25% · 3.875%
HK$18,373
−HK$563/mo
Today · 4.125%
HK$18,936
baseline
▲ 0.50% · 4.625%
HK$20,088
+HK$1,152/mo
Deposit HK$434K · loan HK$3.91M · min. income ≈ HK$37,872/mo (50% DSR)
Upfront cash ≈ HK$499K (deposit + AVD stamp duty HK$65,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,823
−HK$1,071/mo
▼ 0.25% · 3.875%
HK$20,355
−HK$539/mo
Today · 4.125%
HK$20,894
baseline
▲ 0.50% · 4.625%
HK$21,995
+HK$1,101/mo
Deposit HK$434K · loan HK$3.91M · min. income ≈ HK$41,788/mo (50% DSR)
Upfront cash ≈ HK$499K (deposit + AVD stamp duty HK$65,120 · 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).