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$9,934
−HK$623/mo
▼ 0.25% · 3.875%
HK$10,243
−HK$314/mo
Today · 4.125%
HK$10,557
baseline
▲ 0.50% · 4.625%
HK$11,199
+HK$642/mo
Deposit HK$2.18M · loan HK$2.18M · min. income ≈ HK$21,114/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$65,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,051
−HK$597/mo
▼ 0.25% · 3.875%
HK$11,348
−HK$300/mo
Today · 4.125%
HK$11,648
baseline
▲ 0.50% · 4.625%
HK$12,262
+HK$614/mo
Deposit HK$2.18M · loan HK$2.18M · min. income ≈ HK$23,296/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$65,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,921
−HK$747/mo
▼ 0.25% · 3.875%
HK$12,291
−HK$377/mo
Today · 4.125%
HK$12,668
baseline
▲ 0.50% · 4.625%
HK$13,439
+HK$771/mo
Deposit HK$1.74M · loan HK$2.61M · min. income ≈ HK$25,336/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$65,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,261
−HK$717/mo
▼ 0.25% · 3.875%
HK$13,617
−HK$361/mo
Today · 4.125%
HK$13,978
baseline
▲ 0.50% · 4.625%
HK$14,715
+HK$737/mo
Deposit HK$1.74M · loan HK$2.61M · min. income ≈ HK$27,956/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$65,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,907
−HK$872/mo
▼ 0.25% · 3.875%
HK$14,340
−HK$439/mo
Today · 4.125%
HK$14,779
baseline
▲ 0.50% · 4.625%
HK$15,679
+HK$900/mo
Deposit HK$1.31M · loan HK$3.05M · min. income ≈ HK$29,558/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$65,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,472
−HK$836/mo
▼ 0.25% · 3.875%
HK$15,887
−HK$421/mo
Today · 4.125%
HK$16,308
baseline
▲ 0.50% · 4.625%
HK$17,167
+HK$859/mo
Deposit HK$1.31M · loan HK$3.05M · min. income ≈ HK$32,616/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$65,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,881
−HK$1,121/mo
▼ 0.25% · 3.875%
HK$18,437
−HK$565/mo
Today · 4.125%
HK$19,002
baseline
▲ 0.50% · 4.625%
HK$20,158
+HK$1,156/mo
Deposit HK$436K · loan HK$3.92M · min. income ≈ HK$38,004/mo (50% DSR)
Upfront cash ≈ HK$501K (deposit + AVD stamp duty HK$65,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,892
−HK$1,075/mo
▼ 0.25% · 3.875%
HK$20,426
−HK$541/mo
Today · 4.125%
HK$20,967
baseline
▲ 0.50% · 4.625%
HK$22,072
+HK$1,105/mo
Deposit HK$436K · loan HK$3.92M · min. income ≈ HK$41,934/mo (50% DSR)
Upfront cash ≈ HK$501K (deposit + AVD stamp duty HK$65,347 · 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).