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$9,941
−HK$623/mo
▼ 0.25% · 3.875%
HK$10,250
−HK$314/mo
Today · 4.125%
HK$10,564
baseline
▲ 0.50% · 4.625%
HK$11,207
+HK$643/mo
Deposit HK$2.18M · loan HK$2.18M · min. income ≈ HK$21,128/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$65,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,059
−HK$598/mo
▼ 0.25% · 3.875%
HK$11,356
−HK$301/mo
Today · 4.125%
HK$11,657
baseline
▲ 0.50% · 4.625%
HK$12,271
+HK$614/mo
Deposit HK$2.18M · loan HK$2.18M · min. income ≈ HK$23,314/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$65,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,929
−HK$748/mo
▼ 0.25% · 3.875%
HK$12,300
−HK$377/mo
Today · 4.125%
HK$12,677
baseline
▲ 0.50% · 4.625%
HK$13,449
+HK$772/mo
Deposit HK$1.74M · loan HK$2.62M · min. income ≈ HK$25,354/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$65,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,271
−HK$717/mo
▼ 0.25% · 3.875%
HK$13,627
−HK$361/mo
Today · 4.125%
HK$13,988
baseline
▲ 0.50% · 4.625%
HK$14,725
+HK$737/mo
Deposit HK$1.74M · loan HK$2.62M · min. income ≈ HK$27,976/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$65,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,917
−HK$873/mo
▼ 0.25% · 3.875%
HK$14,350
−HK$440/mo
Today · 4.125%
HK$14,790
baseline
▲ 0.50% · 4.625%
HK$15,690
+HK$900/mo
Deposit HK$1.31M · loan HK$3.05M · min. income ≈ HK$29,580/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$65,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,483
−HK$836/mo
▼ 0.25% · 3.875%
HK$15,898
−HK$421/mo
Today · 4.125%
HK$16,319
baseline
▲ 0.50% · 4.625%
HK$17,180
+HK$861/mo
Deposit HK$1.31M · loan HK$3.05M · min. income ≈ HK$32,638/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$65,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,894
−HK$1,122/mo
▼ 0.25% · 3.875%
HK$18,450
−HK$566/mo
Today · 4.125%
HK$19,016
baseline
▲ 0.50% · 4.625%
HK$20,173
+HK$1,157/mo
Deposit HK$436K · loan HK$3.92M · min. income ≈ HK$38,032/mo (50% DSR)
Upfront cash ≈ HK$501K (deposit + AVD stamp duty HK$65,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,907
−HK$1,075/mo
▼ 0.25% · 3.875%
HK$20,441
−HK$541/mo
Today · 4.125%
HK$20,982
baseline
▲ 0.50% · 4.625%
HK$22,088
+HK$1,106/mo
Deposit HK$436K · loan HK$3.92M · min. income ≈ HK$41,964/mo (50% DSR)
Upfront cash ≈ HK$501K (deposit + AVD stamp duty HK$65,395 · 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).