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$9,996
−HK$627/mo
▼ 0.25% · 3.875%
HK$10,307
−HK$316/mo
Today · 4.125%
HK$10,623
baseline
▲ 0.50% · 4.625%
HK$11,269
+HK$646/mo
Deposit HK$2.19M · loan HK$2.19M · min. income ≈ HK$21,246/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$65,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,121
−HK$601/mo
▼ 0.25% · 3.875%
HK$11,419
−HK$303/mo
Today · 4.125%
HK$11,722
baseline
▲ 0.50% · 4.625%
HK$12,339
+HK$617/mo
Deposit HK$2.19M · loan HK$2.19M · min. income ≈ HK$23,444/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$65,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,995
−HK$753/mo
▼ 0.25% · 3.875%
HK$12,369
−HK$379/mo
Today · 4.125%
HK$12,748
baseline
▲ 0.50% · 4.625%
HK$13,523
+HK$775/mo
Deposit HK$1.75M · loan HK$2.63M · min. income ≈ HK$25,496/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$65,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,345
−HK$721/mo
▼ 0.25% · 3.875%
HK$13,703
−HK$363/mo
Today · 4.125%
HK$14,066
baseline
▲ 0.50% · 4.625%
HK$14,807
+HK$741/mo
Deposit HK$1.75M · loan HK$2.63M · min. income ≈ HK$28,132/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$65,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,995
−HK$877/mo
▼ 0.25% · 3.875%
HK$14,430
−HK$442/mo
Today · 4.125%
HK$14,872
baseline
▲ 0.50% · 4.625%
HK$15,777
+HK$905/mo
Deposit HK$1.32M · loan HK$3.07M · min. income ≈ HK$29,744/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$65,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,569
−HK$841/mo
▼ 0.25% · 3.875%
HK$15,987
−HK$423/mo
Today · 4.125%
HK$16,410
baseline
▲ 0.50% · 4.625%
HK$17,275
+HK$865/mo
Deposit HK$1.32M · loan HK$3.07M · min. income ≈ HK$32,820/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$65,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,993
−HK$1,129/mo
▼ 0.25% · 3.875%
HK$18,553
−HK$569/mo
Today · 4.125%
HK$19,122
baseline
▲ 0.50% · 4.625%
HK$20,285
+HK$1,163/mo
Deposit HK$438K · loan HK$3.95M · min. income ≈ HK$38,244/mo (50% DSR)
Upfront cash ≈ HK$504K (deposit + AVD stamp duty HK$65,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,017
−HK$1,082/mo
▼ 0.25% · 3.875%
HK$20,554
−HK$545/mo
Today · 4.125%
HK$21,099
baseline
▲ 0.50% · 4.625%
HK$22,211
+HK$1,112/mo
Deposit HK$438K · loan HK$3.95M · min. income ≈ HK$42,198/mo (50% DSR)
Upfront cash ≈ HK$504K (deposit + AVD stamp duty HK$65,758 · 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).