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$9,970
−HK$625/mo
▼ 0.25% · 3.875%
HK$10,280
−HK$315/mo
Today · 4.125%
HK$10,595
baseline
▲ 0.50% · 4.625%
HK$11,239
+HK$644/mo
Deposit HK$2.19M · loan HK$2.19M · min. income ≈ HK$21,190/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$65,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,091
−HK$599/mo
▼ 0.25% · 3.875%
HK$11,389
−HK$301/mo
Today · 4.125%
HK$11,690
baseline
▲ 0.50% · 4.625%
HK$12,307
+HK$617/mo
Deposit HK$2.19M · loan HK$2.19M · min. income ≈ HK$23,380/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$65,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,964
−HK$750/mo
▼ 0.25% · 3.875%
HK$12,336
−HK$378/mo
Today · 4.125%
HK$12,714
baseline
▲ 0.50% · 4.625%
HK$13,487
+HK$773/mo
Deposit HK$1.75M · loan HK$2.62M · min. income ≈ HK$25,428/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$65,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,309
−HK$719/mo
▼ 0.25% · 3.875%
HK$13,666
−HK$362/mo
Today · 4.125%
HK$14,028
baseline
▲ 0.50% · 4.625%
HK$14,768
+HK$740/mo
Deposit HK$1.75M · loan HK$2.62M · min. income ≈ HK$28,056/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$65,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,957
−HK$876/mo
▼ 0.25% · 3.875%
HK$14,392
−HK$441/mo
Today · 4.125%
HK$14,833
baseline
▲ 0.50% · 4.625%
HK$15,735
+HK$902/mo
Deposit HK$1.31M · loan HK$3.06M · min. income ≈ HK$29,666/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$65,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,528
−HK$838/mo
▼ 0.25% · 3.875%
HK$15,944
−HK$422/mo
Today · 4.125%
HK$16,366
baseline
▲ 0.50% · 4.625%
HK$17,229
+HK$863/mo
Deposit HK$1.31M · loan HK$3.06M · min. income ≈ HK$32,732/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$65,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,945
−HK$1,126/mo
▼ 0.25% · 3.875%
HK$18,504
−HK$567/mo
Today · 4.125%
HK$19,071
baseline
▲ 0.50% · 4.625%
HK$20,231
+HK$1,160/mo
Deposit HK$437K · loan HK$3.93M · min. income ≈ HK$38,142/mo (50% DSR)
Upfront cash ≈ HK$503K (deposit + AVD stamp duty HK$65,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,964
−HK$1,079/mo
▼ 0.25% · 3.875%
HK$20,499
−HK$544/mo
Today · 4.125%
HK$21,043
baseline
▲ 0.50% · 4.625%
HK$22,152
+HK$1,109/mo
Deposit HK$437K · loan HK$3.93M · min. income ≈ HK$42,086/mo (50% DSR)
Upfront cash ≈ HK$503K (deposit + AVD stamp duty HK$65,583 · 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).