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$9,912
−HK$621/mo
▼ 0.25% · 3.875%
HK$10,220
−HK$313/mo
Today · 4.125%
HK$10,533
baseline
▲ 0.50% · 4.625%
HK$11,174
+HK$641/mo
Deposit HK$2.17M · loan HK$2.17M · min. income ≈ HK$21,066/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$65,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,027
−HK$595/mo
▼ 0.25% · 3.875%
HK$11,322
−HK$300/mo
Today · 4.125%
HK$11,622
baseline
▲ 0.50% · 4.625%
HK$12,235
+HK$613/mo
Deposit HK$2.17M · loan HK$2.17M · min. income ≈ HK$23,244/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$65,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,894
−HK$746/mo
▼ 0.25% · 3.875%
HK$12,264
−HK$376/mo
Today · 4.125%
HK$12,640
baseline
▲ 0.50% · 4.625%
HK$13,409
+HK$769/mo
Deposit HK$1.74M · loan HK$2.61M · min. income ≈ HK$25,280/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$65,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,232
−HK$715/mo
▼ 0.25% · 3.875%
HK$13,587
−HK$360/mo
Today · 4.125%
HK$13,947
baseline
▲ 0.50% · 4.625%
HK$14,682
+HK$735/mo
Deposit HK$1.74M · loan HK$2.61M · min. income ≈ HK$27,894/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$65,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,876
−HK$871/mo
▼ 0.25% · 3.875%
HK$14,308
−HK$439/mo
Today · 4.125%
HK$14,747
baseline
▲ 0.50% · 4.625%
HK$15,644
+HK$897/mo
Deposit HK$1.30M · loan HK$3.04M · min. income ≈ HK$29,494/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$65,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,437
−HK$834/mo
▼ 0.25% · 3.875%
HK$15,851
−HK$420/mo
Today · 4.125%
HK$16,271
baseline
▲ 0.50% · 4.625%
HK$17,129
+HK$858/mo
Deposit HK$1.30M · loan HK$3.04M · min. income ≈ HK$32,542/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$65,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,841
−HK$1,119/mo
▼ 0.25% · 3.875%
HK$18,396
−HK$564/mo
Today · 4.125%
HK$18,960
baseline
▲ 0.50% · 4.625%
HK$20,114
+HK$1,154/mo
Deposit HK$435K · loan HK$3.91M · min. income ≈ HK$37,920/mo (50% DSR)
Upfront cash ≈ HK$500K (deposit + AVD stamp duty HK$65,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,848
−HK$1,072/mo
▼ 0.25% · 3.875%
HK$20,380
−HK$540/mo
Today · 4.125%
HK$20,920
baseline
▲ 0.50% · 4.625%
HK$22,023
+HK$1,103/mo
Deposit HK$435K · loan HK$3.91M · min. income ≈ HK$41,840/mo (50% DSR)
Upfront cash ≈ HK$500K (deposit + AVD stamp duty HK$65,202 · 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).