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$11,200
+HK$643/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$65,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,052
−HK$597/mo
▼ 0.25% · 3.875%
HK$11,348
−HK$301/mo
Today · 4.125%
HK$11,649
baseline
▲ 0.50% · 4.625%
HK$12,263
+HK$614/mo
Deposit HK$2.18M · loan HK$2.18M · min. income ≈ HK$23,298/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$65,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,921
−HK$748/mo
▼ 0.25% · 3.875%
HK$12,292
−HK$377/mo
Today · 4.125%
HK$12,669
baseline
▲ 0.50% · 4.625%
HK$13,440
+HK$771/mo
Deposit HK$1.74M · loan HK$2.61M · min. income ≈ HK$25,338/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$65,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,262
−HK$717/mo
▼ 0.25% · 3.875%
HK$13,618
−HK$361/mo
Today · 4.125%
HK$13,979
baseline
▲ 0.50% · 4.625%
HK$14,716
+HK$737/mo
Deposit HK$1.74M · loan HK$2.61M · min. income ≈ HK$27,958/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$65,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,908
−HK$872/mo
▼ 0.25% · 3.875%
HK$14,341
−HK$439/mo
Today · 4.125%
HK$14,780
baseline
▲ 0.50% · 4.625%
HK$15,680
+HK$900/mo
Deposit HK$1.31M · loan HK$3.05M · min. income ≈ HK$29,560/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$65,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,473
−HK$836/mo
▼ 0.25% · 3.875%
HK$15,888
−HK$421/mo
Today · 4.125%
HK$16,309
baseline
▲ 0.50% · 4.625%
HK$17,168
+HK$859/mo
Deposit HK$1.31M · loan HK$3.05M · min. income ≈ HK$32,618/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$65,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,882
−HK$1,121/mo
▼ 0.25% · 3.875%
HK$18,438
−HK$565/mo
Today · 4.125%
HK$19,003
baseline
▲ 0.50% · 4.625%
HK$20,160
+HK$1,157/mo
Deposit HK$436K · loan HK$3.92M · min. income ≈ HK$38,006/mo (50% DSR)
Upfront cash ≈ HK$501K (deposit + AVD stamp duty HK$65,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,894
−HK$1,074/mo
▼ 0.25% · 3.875%
HK$20,427
−HK$541/mo
Today · 4.125%
HK$20,968
baseline
▲ 0.50% · 4.625%
HK$22,074
+HK$1,106/mo
Deposit HK$436K · loan HK$3.92M · min. income ≈ HK$41,936/mo (50% DSR)
Upfront cash ≈ HK$501K (deposit + AVD stamp duty HK$65,351 · 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).