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$9,916
−HK$622/mo
▼ 0.25% · 3.875%
HK$10,224
−HK$314/mo
Today · 4.125%
HK$10,538
baseline
▲ 0.50% · 4.625%
HK$11,179
+HK$641/mo
Deposit HK$2.17M · loan HK$2.17M · min. income ≈ HK$21,076/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$65,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,031
−HK$596/mo
▼ 0.25% · 3.875%
HK$11,327
−HK$300/mo
Today · 4.125%
HK$11,627
baseline
▲ 0.50% · 4.625%
HK$12,240
+HK$613/mo
Deposit HK$2.17M · loan HK$2.17M · min. income ≈ HK$23,254/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$65,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,899
−HK$746/mo
▼ 0.25% · 3.875%
HK$12,269
−HK$376/mo
Today · 4.125%
HK$12,645
baseline
▲ 0.50% · 4.625%
HK$13,415
+HK$770/mo
Deposit HK$1.74M · loan HK$2.61M · min. income ≈ HK$25,290/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$65,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,238
−HK$715/mo
▼ 0.25% · 3.875%
HK$13,593
−HK$360/mo
Today · 4.125%
HK$13,953
baseline
▲ 0.50% · 4.625%
HK$14,688
+HK$735/mo
Deposit HK$1.74M · loan HK$2.61M · min. income ≈ HK$27,906/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$65,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,882
−HK$871/mo
▼ 0.25% · 3.875%
HK$14,314
−HK$439/mo
Today · 4.125%
HK$14,753
baseline
▲ 0.50% · 4.625%
HK$15,650
+HK$897/mo
Deposit HK$1.30M · loan HK$3.04M · min. income ≈ HK$29,506/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$65,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,444
−HK$834/mo
▼ 0.25% · 3.875%
HK$15,858
−HK$420/mo
Today · 4.125%
HK$16,278
baseline
▲ 0.50% · 4.625%
HK$17,136
+HK$858/mo
Deposit HK$1.30M · loan HK$3.04M · min. income ≈ HK$32,556/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$65,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,849
−HK$1,119/mo
▼ 0.25% · 3.875%
HK$18,404
−HK$564/mo
Today · 4.125%
HK$18,968
baseline
▲ 0.50% · 4.625%
HK$20,122
+HK$1,154/mo
Deposit HK$435K · loan HK$3.91M · min. income ≈ HK$37,936/mo (50% DSR)
Upfront cash ≈ HK$500K (deposit + AVD stamp duty HK$65,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,856
−HK$1,073/mo
▼ 0.25% · 3.875%
HK$20,389
−HK$540/mo
Today · 4.125%
HK$20,929
baseline
▲ 0.50% · 4.625%
HK$22,032
+HK$1,103/mo
Deposit HK$435K · loan HK$3.91M · min. income ≈ HK$41,858/mo (50% DSR)
Upfront cash ≈ HK$500K (deposit + AVD stamp duty HK$65,229 · 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).