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$9,896
−HK$621/mo
▼ 0.25% · 3.875%
HK$10,204
−HK$313/mo
Today · 4.125%
HK$10,517
baseline
▲ 0.50% · 4.625%
HK$11,157
+HK$640/mo
Deposit HK$2.17M · loan HK$2.17M · min. income ≈ HK$21,034/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$65,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,009
−HK$595/mo
▼ 0.25% · 3.875%
HK$11,305
−HK$299/mo
Today · 4.125%
HK$11,604
baseline
▲ 0.50% · 4.625%
HK$12,216
+HK$612/mo
Deposit HK$2.17M · loan HK$2.17M · min. income ≈ HK$23,208/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$65,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,875
−HK$745/mo
▼ 0.25% · 3.875%
HK$12,245
−HK$375/mo
Today · 4.125%
HK$12,620
baseline
▲ 0.50% · 4.625%
HK$13,388
+HK$768/mo
Deposit HK$1.74M · loan HK$2.60M · min. income ≈ HK$25,240/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$65,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,211
−HK$714/mo
▼ 0.25% · 3.875%
HK$13,565
−HK$360/mo
Today · 4.125%
HK$13,925
baseline
▲ 0.50% · 4.625%
HK$14,659
+HK$734/mo
Deposit HK$1.74M · loan HK$2.60M · min. income ≈ HK$27,850/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$65,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,855
−HK$868/mo
▼ 0.25% · 3.875%
HK$14,285
−HK$438/mo
Today · 4.125%
HK$14,723
baseline
▲ 0.50% · 4.625%
HK$15,619
+HK$896/mo
Deposit HK$1.30M · loan HK$3.04M · min. income ≈ HK$29,446/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$65,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,413
−HK$833/mo
▼ 0.25% · 3.875%
HK$15,826
−HK$420/mo
Today · 4.125%
HK$16,246
baseline
▲ 0.50% · 4.625%
HK$17,102
+HK$856/mo
Deposit HK$1.30M · loan HK$3.04M · min. income ≈ HK$32,492/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$65,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,813
−HK$1,117/mo
▼ 0.25% · 3.875%
HK$18,367
−HK$563/mo
Today · 4.125%
HK$18,930
baseline
▲ 0.50% · 4.625%
HK$20,082
+HK$1,152/mo
Deposit HK$434K · loan HK$3.91M · min. income ≈ HK$37,860/mo (50% DSR)
Upfront cash ≈ HK$499K (deposit + AVD stamp duty HK$65,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,817
−HK$1,070/mo
▼ 0.25% · 3.875%
HK$20,348
−HK$539/mo
Today · 4.125%
HK$20,887
baseline
▲ 0.50% · 4.625%
HK$21,988
+HK$1,101/mo
Deposit HK$434K · loan HK$3.91M · min. income ≈ HK$41,774/mo (50% DSR)
Upfront cash ≈ HK$499K (deposit + AVD stamp duty HK$65,099 · 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).