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$9,991
−HK$626/mo
▼ 0.25% · 3.875%
HK$10,301
−HK$316/mo
Today · 4.125%
HK$10,617
baseline
▲ 0.50% · 4.625%
HK$11,263
+HK$646/mo
Deposit HK$2.19M · loan HK$2.19M · min. income ≈ HK$21,234/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$65,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,114
−HK$601/mo
▼ 0.25% · 3.875%
HK$11,413
−HK$302/mo
Today · 4.125%
HK$11,715
baseline
▲ 0.50% · 4.625%
HK$12,332
+HK$617/mo
Deposit HK$2.19M · loan HK$2.19M · min. income ≈ HK$23,430/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$65,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,989
−HK$752/mo
▼ 0.25% · 3.875%
HK$12,362
−HK$379/mo
Today · 4.125%
HK$12,741
baseline
▲ 0.50% · 4.625%
HK$13,516
+HK$775/mo
Deposit HK$1.75M · loan HK$2.63M · min. income ≈ HK$25,482/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$65,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,337
−HK$721/mo
▼ 0.25% · 3.875%
HK$13,695
−HK$363/mo
Today · 4.125%
HK$14,058
baseline
▲ 0.50% · 4.625%
HK$14,799
+HK$741/mo
Deposit HK$1.75M · loan HK$2.63M · min. income ≈ HK$28,116/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$65,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,987
−HK$877/mo
▼ 0.25% · 3.875%
HK$14,422
−HK$442/mo
Today · 4.125%
HK$14,864
baseline
▲ 0.50% · 4.625%
HK$15,768
+HK$904/mo
Deposit HK$1.31M · loan HK$3.07M · min. income ≈ HK$29,728/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$65,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,560
−HK$841/mo
▼ 0.25% · 3.875%
HK$15,978
−HK$423/mo
Today · 4.125%
HK$16,401
baseline
▲ 0.50% · 4.625%
HK$17,265
+HK$864/mo
Deposit HK$1.31M · loan HK$3.07M · min. income ≈ HK$32,802/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$65,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,983
−HK$1,128/mo
▼ 0.25% · 3.875%
HK$18,543
−HK$568/mo
Today · 4.125%
HK$19,111
baseline
▲ 0.50% · 4.625%
HK$20,274
+HK$1,163/mo
Deposit HK$438K · loan HK$3.94M · min. income ≈ HK$38,222/mo (50% DSR)
Upfront cash ≈ HK$504K (deposit + AVD stamp duty HK$65,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,006
−HK$1,081/mo
▼ 0.25% · 3.875%
HK$20,543
−HK$544/mo
Today · 4.125%
HK$21,087
baseline
▲ 0.50% · 4.625%
HK$22,198
+HK$1,111/mo
Deposit HK$438K · loan HK$3.94M · min. income ≈ HK$42,174/mo (50% DSR)
Upfront cash ≈ HK$504K (deposit + AVD stamp duty HK$65,721 · 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).