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$9,961
−HK$625/mo
▼ 0.25% · 3.875%
HK$10,271
−HK$315/mo
Today · 4.125%
HK$10,586
baseline
▲ 0.50% · 4.625%
HK$11,230
+HK$644/mo
Deposit HK$2.18M · loan HK$2.18M · min. income ≈ HK$21,172/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$65,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,082
−HK$598/mo
▼ 0.25% · 3.875%
HK$11,379
−HK$301/mo
Today · 4.125%
HK$11,680
baseline
▲ 0.50% · 4.625%
HK$12,296
+HK$616/mo
Deposit HK$2.18M · loan HK$2.18M · min. income ≈ HK$23,360/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$65,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,953
−HK$750/mo
▼ 0.25% · 3.875%
HK$12,325
−HK$378/mo
Today · 4.125%
HK$12,703
baseline
▲ 0.50% · 4.625%
HK$13,476
+HK$773/mo
Deposit HK$1.75M · loan HK$2.62M · min. income ≈ HK$25,406/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$65,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,298
−HK$719/mo
▼ 0.25% · 3.875%
HK$13,655
−HK$362/mo
Today · 4.125%
HK$14,017
baseline
▲ 0.50% · 4.625%
HK$14,755
+HK$738/mo
Deposit HK$1.75M · loan HK$2.62M · min. income ≈ HK$28,034/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$65,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,946
−HK$874/mo
▼ 0.25% · 3.875%
HK$14,379
−HK$441/mo
Today · 4.125%
HK$14,820
baseline
▲ 0.50% · 4.625%
HK$15,722
+HK$902/mo
Deposit HK$1.31M · loan HK$3.06M · min. income ≈ HK$29,640/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$65,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,514
−HK$839/mo
▼ 0.25% · 3.875%
HK$15,930
−HK$423/mo
Today · 4.125%
HK$16,353
baseline
▲ 0.50% · 4.625%
HK$17,215
+HK$862/mo
Deposit HK$1.31M · loan HK$3.06M · min. income ≈ HK$32,706/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$65,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,930
−HK$1,125/mo
▼ 0.25% · 3.875%
HK$18,488
−HK$567/mo
Today · 4.125%
HK$19,055
baseline
▲ 0.50% · 4.625%
HK$20,214
+HK$1,159/mo
Deposit HK$437K · loan HK$3.93M · min. income ≈ HK$38,110/mo (50% DSR)
Upfront cash ≈ HK$502K (deposit + AVD stamp duty HK$65,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,947
−HK$1,078/mo
▼ 0.25% · 3.875%
HK$20,482
−HK$543/mo
Today · 4.125%
HK$21,025
baseline
▲ 0.50% · 4.625%
HK$22,133
+HK$1,108/mo
Deposit HK$437K · loan HK$3.93M · min. income ≈ HK$42,050/mo (50% DSR)
Upfront cash ≈ HK$502K (deposit + AVD stamp duty HK$65,527 · 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).