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$9,953
−HK$624/mo
▼ 0.25% · 3.875%
HK$10,262
−HK$315/mo
Today · 4.125%
HK$10,577
baseline
▲ 0.50% · 4.625%
HK$11,220
+HK$643/mo
Deposit HK$2.18M · loan HK$2.18M · min. income ≈ HK$21,154/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$65,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,072
−HK$599/mo
▼ 0.25% · 3.875%
HK$11,369
−HK$302/mo
Today · 4.125%
HK$11,671
baseline
▲ 0.50% · 4.625%
HK$12,286
+HK$615/mo
Deposit HK$2.18M · loan HK$2.18M · min. income ≈ HK$23,342/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$65,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,943
−HK$749/mo
▼ 0.25% · 3.875%
HK$12,315
−HK$377/mo
Today · 4.125%
HK$12,692
baseline
▲ 0.50% · 4.625%
HK$13,465
+HK$773/mo
Deposit HK$1.75M · loan HK$2.62M · min. income ≈ HK$25,384/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$65,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,287
−HK$718/mo
▼ 0.25% · 3.875%
HK$13,643
−HK$362/mo
Today · 4.125%
HK$14,005
baseline
▲ 0.50% · 4.625%
HK$14,743
+HK$738/mo
Deposit HK$1.75M · loan HK$2.62M · min. income ≈ HK$28,010/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$65,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,934
−HK$874/mo
▼ 0.25% · 3.875%
HK$14,367
−HK$441/mo
Today · 4.125%
HK$14,808
baseline
▲ 0.50% · 4.625%
HK$15,709
+HK$901/mo
Deposit HK$1.31M · loan HK$3.06M · min. income ≈ HK$29,616/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$65,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,501
−HK$838/mo
▼ 0.25% · 3.875%
HK$15,917
−HK$422/mo
Today · 4.125%
HK$16,339
baseline
▲ 0.50% · 4.625%
HK$17,200
+HK$861/mo
Deposit HK$1.31M · loan HK$3.06M · min. income ≈ HK$32,678/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$65,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,915
−HK$1,123/mo
▼ 0.25% · 3.875%
HK$18,472
−HK$566/mo
Today · 4.125%
HK$19,038
baseline
▲ 0.50% · 4.625%
HK$20,197
+HK$1,159/mo
Deposit HK$436K · loan HK$3.93M · min. income ≈ HK$38,076/mo (50% DSR)
Upfront cash ≈ HK$502K (deposit + AVD stamp duty HK$65,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,930
−HK$1,077/mo
▼ 0.25% · 3.875%
HK$20,465
−HK$542/mo
Today · 4.125%
HK$21,007
baseline
▲ 0.50% · 4.625%
HK$22,114
+HK$1,107/mo
Deposit HK$436K · loan HK$3.93M · min. income ≈ HK$42,014/mo (50% DSR)
Upfront cash ≈ HK$502K (deposit + AVD stamp duty HK$65,472 · 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).