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$9,936
−HK$624/mo
▼ 0.25% · 3.875%
HK$10,246
−HK$314/mo
Today · 4.125%
HK$10,560
baseline
▲ 0.50% · 4.625%
HK$11,202
+HK$642/mo
Deposit HK$2.18M · loan HK$2.18M · min. income ≈ HK$21,120/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$65,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,054
−HK$597/mo
▼ 0.25% · 3.875%
HK$11,351
−HK$300/mo
Today · 4.125%
HK$11,651
baseline
▲ 0.50% · 4.625%
HK$12,266
+HK$615/mo
Deposit HK$2.18M · loan HK$2.18M · min. income ≈ HK$23,302/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$65,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,924
−HK$747/mo
▼ 0.25% · 3.875%
HK$12,295
−HK$376/mo
Today · 4.125%
HK$12,671
baseline
▲ 0.50% · 4.625%
HK$13,443
+HK$772/mo
Deposit HK$1.74M · loan HK$2.61M · min. income ≈ HK$25,342/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$65,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,265
−HK$717/mo
▼ 0.25% · 3.875%
HK$13,621
−HK$361/mo
Today · 4.125%
HK$13,982
baseline
▲ 0.50% · 4.625%
HK$14,719
+HK$737/mo
Deposit HK$1.74M · loan HK$2.61M · min. income ≈ HK$27,964/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$65,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,911
−HK$872/mo
▼ 0.25% · 3.875%
HK$14,344
−HK$439/mo
Today · 4.125%
HK$14,783
baseline
▲ 0.50% · 4.625%
HK$15,683
+HK$900/mo
Deposit HK$1.31M · loan HK$3.05M · min. income ≈ HK$29,566/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$65,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,476
−HK$836/mo
▼ 0.25% · 3.875%
HK$15,891
−HK$421/mo
Today · 4.125%
HK$16,312
baseline
▲ 0.50% · 4.625%
HK$17,172
+HK$860/mo
Deposit HK$1.31M · loan HK$3.05M · min. income ≈ HK$32,624/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$65,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,886
−HK$1,121/mo
▼ 0.25% · 3.875%
HK$18,442
−HK$565/mo
Today · 4.125%
HK$19,007
baseline
▲ 0.50% · 4.625%
HK$20,164
+HK$1,157/mo
Deposit HK$436K · loan HK$3.92M · min. income ≈ HK$38,014/mo (50% DSR)
Upfront cash ≈ HK$501K (deposit + AVD stamp duty HK$65,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,898
−HK$1,075/mo
▼ 0.25% · 3.875%
HK$20,431
−HK$542/mo
Today · 4.125%
HK$20,973
baseline
▲ 0.50% · 4.625%
HK$22,078
+HK$1,105/mo
Deposit HK$436K · loan HK$3.92M · min. income ≈ HK$41,946/mo (50% DSR)
Upfront cash ≈ HK$501K (deposit + AVD stamp duty HK$65,365 · 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).