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$9,939
−HK$624/mo
▼ 0.25% · 3.875%
HK$10,249
−HK$314/mo
Today · 4.125%
HK$10,563
baseline
▲ 0.50% · 4.625%
HK$11,205
+HK$642/mo
Deposit HK$2.18M · loan HK$2.18M · min. income ≈ HK$21,126/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$65,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,058
−HK$597/mo
▼ 0.25% · 3.875%
HK$11,354
−HK$301/mo
Today · 4.125%
HK$11,655
baseline
▲ 0.50% · 4.625%
HK$12,269
+HK$614/mo
Deposit HK$2.18M · loan HK$2.18M · min. income ≈ HK$23,310/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$65,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,927
−HK$748/mo
▼ 0.25% · 3.875%
HK$12,298
−HK$377/mo
Today · 4.125%
HK$12,675
baseline
▲ 0.50% · 4.625%
HK$13,447
+HK$772/mo
Deposit HK$1.74M · loan HK$2.62M · min. income ≈ HK$25,350/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$65,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,269
−HK$717/mo
▼ 0.25% · 3.875%
HK$13,625
−HK$361/mo
Today · 4.125%
HK$13,986
baseline
▲ 0.50% · 4.625%
HK$14,723
+HK$737/mo
Deposit HK$1.74M · loan HK$2.62M · min. income ≈ HK$27,972/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$65,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,915
−HK$873/mo
▼ 0.25% · 3.875%
HK$14,348
−HK$440/mo
Today · 4.125%
HK$14,788
baseline
▲ 0.50% · 4.625%
HK$15,688
+HK$900/mo
Deposit HK$1.31M · loan HK$3.05M · min. income ≈ HK$29,576/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$65,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,481
−HK$836/mo
▼ 0.25% · 3.875%
HK$15,896
−HK$421/mo
Today · 4.125%
HK$16,317
baseline
▲ 0.50% · 4.625%
HK$17,177
+HK$860/mo
Deposit HK$1.31M · loan HK$3.05M · min. income ≈ HK$32,634/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$65,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,891
−HK$1,122/mo
▼ 0.25% · 3.875%
HK$18,448
−HK$565/mo
Today · 4.125%
HK$19,013
baseline
▲ 0.50% · 4.625%
HK$20,170
+HK$1,157/mo
Deposit HK$436K · loan HK$3.92M · min. income ≈ HK$38,026/mo (50% DSR)
Upfront cash ≈ HK$501K (deposit + AVD stamp duty HK$65,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,904
−HK$1,075/mo
▼ 0.25% · 3.875%
HK$20,437
−HK$542/mo
Today · 4.125%
HK$20,979
baseline
▲ 0.50% · 4.625%
HK$22,085
+HK$1,106/mo
Deposit HK$436K · loan HK$3.92M · min. income ≈ HK$41,958/mo (50% DSR)
Upfront cash ≈ HK$501K (deposit + AVD stamp duty HK$65,384 · 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).