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$9,919
−HK$622/mo
▼ 0.25% · 3.875%
HK$10,227
−HK$314/mo
Today · 4.125%
HK$10,541
baseline
▲ 0.50% · 4.625%
HK$11,182
+HK$641/mo
Deposit HK$2.17M · loan HK$2.17M · min. income ≈ HK$21,082/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$65,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,034
−HK$596/mo
▼ 0.25% · 3.875%
HK$11,330
−HK$300/mo
Today · 4.125%
HK$11,630
baseline
▲ 0.50% · 4.625%
HK$12,244
+HK$614/mo
Deposit HK$2.17M · loan HK$2.17M · min. income ≈ HK$23,260/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$65,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,902
−HK$747/mo
▼ 0.25% · 3.875%
HK$12,273
−HK$376/mo
Today · 4.125%
HK$12,649
baseline
▲ 0.50% · 4.625%
HK$13,418
+HK$769/mo
Deposit HK$1.74M · loan HK$2.61M · min. income ≈ HK$25,298/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$65,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,241
−HK$716/mo
▼ 0.25% · 3.875%
HK$13,596
−HK$361/mo
Today · 4.125%
HK$13,957
baseline
▲ 0.50% · 4.625%
HK$14,692
+HK$735/mo
Deposit HK$1.74M · loan HK$2.61M · min. income ≈ HK$27,914/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$65,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,886
−HK$871/mo
▼ 0.25% · 3.875%
HK$14,318
−HK$439/mo
Today · 4.125%
HK$14,757
baseline
▲ 0.50% · 4.625%
HK$15,655
+HK$898/mo
Deposit HK$1.30M · loan HK$3.04M · min. income ≈ HK$29,514/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$65,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,448
−HK$835/mo
▼ 0.25% · 3.875%
HK$15,862
−HK$421/mo
Today · 4.125%
HK$16,283
baseline
▲ 0.50% · 4.625%
HK$17,141
+HK$858/mo
Deposit HK$1.30M · loan HK$3.04M · min. income ≈ HK$32,566/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$65,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,853
−HK$1,120/mo
▼ 0.25% · 3.875%
HK$18,409
−HK$564/mo
Today · 4.125%
HK$18,973
baseline
▲ 0.50% · 4.625%
HK$20,127
+HK$1,154/mo
Deposit HK$435K · loan HK$3.91M · min. income ≈ HK$37,946/mo (50% DSR)
Upfront cash ≈ HK$500K (deposit + AVD stamp duty HK$65,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,862
−HK$1,073/mo
▼ 0.25% · 3.875%
HK$20,394
−HK$541/mo
Today · 4.125%
HK$20,935
baseline
▲ 0.50% · 4.625%
HK$22,038
+HK$1,103/mo
Deposit HK$435K · loan HK$3.91M · min. income ≈ HK$41,870/mo (50% DSR)
Upfront cash ≈ HK$500K (deposit + AVD stamp duty HK$65,247 · 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).