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$9,999
−HK$627/mo
▼ 0.25% · 3.875%
HK$10,310
−HK$316/mo
Today · 4.125%
HK$10,626
baseline
▲ 0.50% · 4.625%
HK$11,273
+HK$647/mo
Deposit HK$2.19M · loan HK$2.19M · min. income ≈ HK$21,252/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$65,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,124
−HK$601/mo
▼ 0.25% · 3.875%
HK$11,423
−HK$302/mo
Today · 4.125%
HK$11,725
baseline
▲ 0.50% · 4.625%
HK$12,343
+HK$618/mo
Deposit HK$2.19M · loan HK$2.19M · min. income ≈ HK$23,450/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$65,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,999
−HK$753/mo
▼ 0.25% · 3.875%
HK$12,372
−HK$380/mo
Today · 4.125%
HK$12,752
baseline
▲ 0.50% · 4.625%
HK$13,528
+HK$776/mo
Deposit HK$1.75M · loan HK$2.63M · min. income ≈ HK$25,504/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$65,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,349
−HK$721/mo
▼ 0.25% · 3.875%
HK$13,707
−HK$363/mo
Today · 4.125%
HK$14,070
baseline
▲ 0.50% · 4.625%
HK$14,812
+HK$742/mo
Deposit HK$1.75M · loan HK$2.63M · min. income ≈ HK$28,140/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$65,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,999
−HK$878/mo
▼ 0.25% · 3.875%
HK$14,435
−HK$442/mo
Today · 4.125%
HK$14,877
baseline
▲ 0.50% · 4.625%
HK$15,782
+HK$905/mo
Deposit HK$1.32M · loan HK$3.07M · min. income ≈ HK$29,754/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$65,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,574
−HK$841/mo
▼ 0.25% · 3.875%
HK$15,992
−HK$423/mo
Today · 4.125%
HK$16,415
baseline
▲ 0.50% · 4.625%
HK$17,281
+HK$866/mo
Deposit HK$1.32M · loan HK$3.07M · min. income ≈ HK$32,830/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$65,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,999
−HK$1,129/mo
▼ 0.25% · 3.875%
HK$18,559
−HK$569/mo
Today · 4.125%
HK$19,128
baseline
▲ 0.50% · 4.625%
HK$20,291
+HK$1,163/mo
Deposit HK$439K · loan HK$3.95M · min. income ≈ HK$38,256/mo (50% DSR)
Upfront cash ≈ HK$504K (deposit + AVD stamp duty HK$65,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,024
−HK$1,081/mo
▼ 0.25% · 3.875%
HK$20,561
−HK$544/mo
Today · 4.125%
HK$21,105
baseline
▲ 0.50% · 4.625%
HK$22,218
+HK$1,113/mo
Deposit HK$439K · loan HK$3.95M · min. income ≈ HK$42,210/mo (50% DSR)
Upfront cash ≈ HK$504K (deposit + AVD stamp duty HK$65,778 · 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).