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$622/mo
▼ 0.25% · 3.875%
HK$10,221
−HK$313/mo
Today · 4.125%
HK$10,534
baseline
▲ 0.50% · 4.625%
HK$11,175
+HK$641/mo
Deposit HK$2.17M · loan HK$2.17M · min. income ≈ HK$21,068/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$65,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,027
−HK$596/mo
▼ 0.25% · 3.875%
HK$11,323
−HK$300/mo
Today · 4.125%
HK$11,623
baseline
▲ 0.50% · 4.625%
HK$12,236
+HK$613/mo
Deposit HK$2.17M · loan HK$2.17M · min. income ≈ HK$23,246/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$65,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,895
−HK$746/mo
▼ 0.25% · 3.875%
HK$12,265
−HK$376/mo
Today · 4.125%
HK$12,641
baseline
▲ 0.50% · 4.625%
HK$13,410
+HK$769/mo
Deposit HK$1.74M · loan HK$2.61M · min. income ≈ HK$25,282/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$65,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,233
−HK$715/mo
▼ 0.25% · 3.875%
HK$13,588
−HK$360/mo
Today · 4.125%
HK$13,948
baseline
▲ 0.50% · 4.625%
HK$14,683
+HK$735/mo
Deposit HK$1.74M · loan HK$2.61M · min. income ≈ HK$27,896/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$65,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,877
−HK$870/mo
▼ 0.25% · 3.875%
HK$14,309
−HK$438/mo
Today · 4.125%
HK$14,747
baseline
▲ 0.50% · 4.625%
HK$15,645
+HK$898/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$65,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,438
−HK$834/mo
▼ 0.25% · 3.875%
HK$15,852
−HK$420/mo
Today · 4.125%
HK$16,272
baseline
▲ 0.50% · 4.625%
HK$17,130
+HK$858/mo
Deposit HK$1.30M · loan HK$3.04M · min. income ≈ HK$32,544/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$65,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,842
−HK$1,119/mo
▼ 0.25% · 3.875%
HK$18,397
−HK$564/mo
Today · 4.125%
HK$18,961
baseline
▲ 0.50% · 4.625%
HK$20,115
+HK$1,154/mo
Deposit HK$435K · loan HK$3.91M · min. income ≈ HK$37,922/mo (50% DSR)
Upfront cash ≈ HK$500K (deposit + AVD stamp duty HK$65,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,849
−HK$1,072/mo
▼ 0.25% · 3.875%
HK$20,381
−HK$540/mo
Today · 4.125%
HK$20,921
baseline
▲ 0.50% · 4.625%
HK$22,024
+HK$1,103/mo
Deposit HK$435K · loan HK$3.91M · min. income ≈ HK$41,842/mo (50% DSR)
Upfront cash ≈ HK$500K (deposit + AVD stamp duty HK$65,205 · 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).