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$9,993
−HK$627/mo
▼ 0.25% · 3.875%
HK$10,304
−HK$316/mo
Today · 4.125%
HK$10,620
baseline
▲ 0.50% · 4.625%
HK$11,266
+HK$646/mo
Deposit HK$2.19M · loan HK$2.19M · min. income ≈ HK$21,240/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$65,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,117
−HK$601/mo
▼ 0.25% · 3.875%
HK$11,415
−HK$303/mo
Today · 4.125%
HK$11,718
baseline
▲ 0.50% · 4.625%
HK$12,335
+HK$617/mo
Deposit HK$2.19M · loan HK$2.19M · min. income ≈ HK$23,436/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$65,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,992
−HK$752/mo
▼ 0.25% · 3.875%
HK$12,365
−HK$379/mo
Today · 4.125%
HK$12,744
baseline
▲ 0.50% · 4.625%
HK$13,519
+HK$775/mo
Deposit HK$1.75M · loan HK$2.63M · min. income ≈ HK$25,488/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$65,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,341
−HK$720/mo
▼ 0.25% · 3.875%
HK$13,698
−HK$363/mo
Today · 4.125%
HK$14,061
baseline
▲ 0.50% · 4.625%
HK$14,803
+HK$742/mo
Deposit HK$1.75M · loan HK$2.63M · min. income ≈ HK$28,122/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$65,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,990
−HK$878/mo
▼ 0.25% · 3.875%
HK$14,425
−HK$443/mo
Today · 4.125%
HK$14,868
baseline
▲ 0.50% · 4.625%
HK$15,772
+HK$904/mo
Deposit HK$1.31M · loan HK$3.07M · min. income ≈ HK$29,736/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$65,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,564
−HK$841/mo
▼ 0.25% · 3.875%
HK$15,981
−HK$424/mo
Today · 4.125%
HK$16,405
baseline
▲ 0.50% · 4.625%
HK$17,270
+HK$865/mo
Deposit HK$1.31M · loan HK$3.07M · min. income ≈ HK$32,810/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$65,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,987
−HK$1,128/mo
▼ 0.25% · 3.875%
HK$18,547
−HK$568/mo
Today · 4.125%
HK$19,115
baseline
▲ 0.50% · 4.625%
HK$20,279
+HK$1,164/mo
Deposit HK$438K · loan HK$3.94M · min. income ≈ HK$38,230/mo (50% DSR)
Upfront cash ≈ HK$504K (deposit + AVD stamp duty HK$65,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,011
−HK$1,081/mo
▼ 0.25% · 3.875%
HK$20,548
−HK$544/mo
Today · 4.125%
HK$21,092
baseline
▲ 0.50% · 4.625%
HK$22,204
+HK$1,112/mo
Deposit HK$438K · loan HK$3.94M · min. income ≈ HK$42,184/mo (50% DSR)
Upfront cash ≈ HK$504K (deposit + AVD stamp duty HK$65,737 · 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).