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$9,972
−HK$626/mo
▼ 0.25% · 3.875%
HK$10,283
−HK$315/mo
Today · 4.125%
HK$10,598
baseline
▲ 0.50% · 4.625%
HK$11,243
+HK$645/mo
Deposit HK$2.19M · loan HK$2.19M · min. income ≈ HK$21,196/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$65,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,094
−HK$599/mo
▼ 0.25% · 3.875%
HK$11,392
−HK$301/mo
Today · 4.125%
HK$11,693
baseline
▲ 0.50% · 4.625%
HK$12,310
+HK$617/mo
Deposit HK$2.19M · loan HK$2.19M · min. income ≈ HK$23,386/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$65,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,967
−HK$750/mo
▼ 0.25% · 3.875%
HK$12,339
−HK$378/mo
Today · 4.125%
HK$12,717
baseline
▲ 0.50% · 4.625%
HK$13,491
+HK$774/mo
Deposit HK$1.75M · loan HK$2.62M · min. income ≈ HK$25,434/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$65,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,313
−HK$719/mo
▼ 0.25% · 3.875%
HK$13,670
−HK$362/mo
Today · 4.125%
HK$14,032
baseline
▲ 0.50% · 4.625%
HK$14,772
+HK$740/mo
Deposit HK$1.75M · loan HK$2.62M · min. income ≈ HK$28,064/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$65,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,961
−HK$876/mo
▼ 0.25% · 3.875%
HK$14,396
−HK$441/mo
Today · 4.125%
HK$14,837
baseline
▲ 0.50% · 4.625%
HK$15,740
+HK$903/mo
Deposit HK$1.31M · loan HK$3.06M · min. income ≈ HK$29,674/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$65,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,532
−HK$839/mo
▼ 0.25% · 3.875%
HK$15,948
−HK$423/mo
Today · 4.125%
HK$16,371
baseline
▲ 0.50% · 4.625%
HK$17,234
+HK$863/mo
Deposit HK$1.31M · loan HK$3.06M · min. income ≈ HK$32,742/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$65,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,950
−HK$1,126/mo
▼ 0.25% · 3.875%
HK$18,509
−HK$567/mo
Today · 4.125%
HK$19,076
baseline
▲ 0.50% · 4.625%
HK$20,237
+HK$1,161/mo
Deposit HK$437K · loan HK$3.94M · min. income ≈ HK$38,152/mo (50% DSR)
Upfront cash ≈ HK$503K (deposit + AVD stamp duty HK$65,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,969
−HK$1,079/mo
▼ 0.25% · 3.875%
HK$20,505
−HK$543/mo
Today · 4.125%
HK$21,048
baseline
▲ 0.50% · 4.625%
HK$22,158
+HK$1,110/mo
Deposit HK$437K · loan HK$3.94M · min. income ≈ HK$42,096/mo (50% DSR)
Upfront cash ≈ HK$503K (deposit + AVD stamp duty HK$65,600 · 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).