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$9,946
−HK$624/mo
▼ 0.25% · 3.875%
HK$10,255
−HK$315/mo
Today · 4.125%
HK$10,570
baseline
▲ 0.50% · 4.625%
HK$11,213
+HK$643/mo
Deposit HK$2.18M · loan HK$2.18M · min. income ≈ HK$21,140/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$65,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,065
−HK$597/mo
▼ 0.25% · 3.875%
HK$11,361
−HK$301/mo
Today · 4.125%
HK$11,662
baseline
▲ 0.50% · 4.625%
HK$12,277
+HK$615/mo
Deposit HK$2.18M · loan HK$2.18M · min. income ≈ HK$23,324/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$65,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,935
−HK$748/mo
▼ 0.25% · 3.875%
HK$12,306
−HK$377/mo
Today · 4.125%
HK$12,683
baseline
▲ 0.50% · 4.625%
HK$13,455
+HK$772/mo
Deposit HK$1.74M · loan HK$2.62M · min. income ≈ HK$25,366/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$65,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,278
−HK$717/mo
▼ 0.25% · 3.875%
HK$13,634
−HK$361/mo
Today · 4.125%
HK$13,995
baseline
▲ 0.50% · 4.625%
HK$14,733
+HK$738/mo
Deposit HK$1.74M · loan HK$2.62M · min. income ≈ HK$27,990/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$65,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,924
−HK$873/mo
▼ 0.25% · 3.875%
HK$14,357
−HK$440/mo
Today · 4.125%
HK$14,797
baseline
▲ 0.50% · 4.625%
HK$15,698
+HK$901/mo
Deposit HK$1.31M · loan HK$3.05M · min. income ≈ HK$29,594/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$65,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,491
−HK$836/mo
▼ 0.25% · 3.875%
HK$15,906
−HK$421/mo
Today · 4.125%
HK$16,327
baseline
▲ 0.50% · 4.625%
HK$17,188
+HK$861/mo
Deposit HK$1.31M · loan HK$3.05M · min. income ≈ HK$32,654/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$65,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,903
−HK$1,122/mo
▼ 0.25% · 3.875%
HK$18,459
−HK$566/mo
Today · 4.125%
HK$19,025
baseline
▲ 0.50% · 4.625%
HK$20,183
+HK$1,158/mo
Deposit HK$436K · loan HK$3.93M · min. income ≈ HK$38,050/mo (50% DSR)
Upfront cash ≈ HK$502K (deposit + AVD stamp duty HK$65,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,916
−HK$1,076/mo
▼ 0.25% · 3.875%
HK$20,451
−HK$541/mo
Today · 4.125%
HK$20,992
baseline
▲ 0.50% · 4.625%
HK$22,099
+HK$1,107/mo
Deposit HK$436K · loan HK$3.93M · min. income ≈ HK$41,984/mo (50% DSR)
Upfront cash ≈ HK$502K (deposit + AVD stamp duty HK$65,426 · 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).