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$9,878
−HK$620/mo
▼ 0.25% · 3.875%
HK$10,186
−HK$312/mo
Today · 4.125%
HK$10,498
baseline
▲ 0.50% · 4.625%
HK$11,136
+HK$638/mo
Deposit HK$2.17M · loan HK$2.17M · min. income ≈ HK$20,996/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$64,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,989
−HK$594/mo
▼ 0.25% · 3.875%
HK$11,284
−HK$299/mo
Today · 4.125%
HK$11,583
baseline
▲ 0.50% · 4.625%
HK$12,194
+HK$611/mo
Deposit HK$2.17M · loan HK$2.17M · min. income ≈ HK$23,166/mo (50% DSR)
Upfront cash ≈ HK$2.23M (deposit + AVD stamp duty HK$64,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,854
−HK$743/mo
▼ 0.25% · 3.875%
HK$12,223
−HK$374/mo
Today · 4.125%
HK$12,597
baseline
▲ 0.50% · 4.625%
HK$13,364
+HK$767/mo
Deposit HK$1.73M · loan HK$2.60M · min. income ≈ HK$25,194/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$64,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,187
−HK$713/mo
▼ 0.25% · 3.875%
HK$13,541
−HK$359/mo
Today · 4.125%
HK$13,900
baseline
▲ 0.50% · 4.625%
HK$14,633
+HK$733/mo
Deposit HK$1.73M · loan HK$2.60M · min. income ≈ HK$27,800/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$64,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,830
−HK$867/mo
▼ 0.25% · 3.875%
HK$14,260
−HK$437/mo
Today · 4.125%
HK$14,697
baseline
▲ 0.50% · 4.625%
HK$15,591
+HK$894/mo
Deposit HK$1.30M · loan HK$3.03M · min. income ≈ HK$29,394/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$64,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,385
−HK$831/mo
▼ 0.25% · 3.875%
HK$15,798
−HK$418/mo
Today · 4.125%
HK$16,216
baseline
▲ 0.50% · 4.625%
HK$17,071
+HK$855/mo
Deposit HK$1.30M · loan HK$3.03M · min. income ≈ HK$32,432/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$64,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,781
−HK$1,115/mo
▼ 0.25% · 3.875%
HK$18,334
−HK$562/mo
Today · 4.125%
HK$18,896
baseline
▲ 0.50% · 4.625%
HK$20,046
+HK$1,150/mo
Deposit HK$433K · loan HK$3.90M · min. income ≈ HK$37,792/mo (50% DSR)
Upfront cash ≈ HK$498K (deposit + AVD stamp duty HK$64,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,781
−HK$1,069/mo
▼ 0.25% · 3.875%
HK$20,312
−HK$538/mo
Today · 4.125%
HK$20,850
baseline
▲ 0.50% · 4.625%
HK$21,949
+HK$1,099/mo
Deposit HK$433K · loan HK$3.90M · min. income ≈ HK$41,700/mo (50% DSR)
Upfront cash ≈ HK$498K (deposit + AVD stamp duty HK$64,982 · 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).