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$9,976
−HK$626/mo
▼ 0.25% · 3.875%
HK$10,286
−HK$316/mo
Today · 4.125%
HK$10,602
baseline
▲ 0.50% · 4.625%
HK$11,247
+HK$645/mo
Deposit HK$2.19M · loan HK$2.19M · min. income ≈ HK$21,204/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$65,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,098
−HK$600/mo
▼ 0.25% · 3.875%
HK$11,396
−HK$302/mo
Today · 4.125%
HK$11,698
baseline
▲ 0.50% · 4.625%
HK$12,315
+HK$617/mo
Deposit HK$2.19M · loan HK$2.19M · min. income ≈ HK$23,396/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$65,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,971
−HK$751/mo
▼ 0.25% · 3.875%
HK$12,344
−HK$378/mo
Today · 4.125%
HK$12,722
baseline
▲ 0.50% · 4.625%
HK$13,496
+HK$774/mo
Deposit HK$1.75M · loan HK$2.63M · min. income ≈ HK$25,444/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$65,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,318
−HK$720/mo
▼ 0.25% · 3.875%
HK$13,675
−HK$363/mo
Today · 4.125%
HK$14,038
baseline
▲ 0.50% · 4.625%
HK$14,778
+HK$740/mo
Deposit HK$1.75M · loan HK$2.63M · min. income ≈ HK$28,076/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$65,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,967
−HK$875/mo
▼ 0.25% · 3.875%
HK$14,401
−HK$441/mo
Today · 4.125%
HK$14,842
baseline
▲ 0.50% · 4.625%
HK$15,746
+HK$904/mo
Deposit HK$1.31M · loan HK$3.06M · min. income ≈ HK$29,684/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$65,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,538
−HK$839/mo
▼ 0.25% · 3.875%
HK$15,954
−HK$423/mo
Today · 4.125%
HK$16,377
baseline
▲ 0.50% · 4.625%
HK$17,240
+HK$863/mo
Deposit HK$1.31M · loan HK$3.06M · min. income ≈ HK$32,754/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$65,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,957
−HK$1,126/mo
▼ 0.25% · 3.875%
HK$18,516
−HK$567/mo
Today · 4.125%
HK$19,083
baseline
▲ 0.50% · 4.625%
HK$20,244
+HK$1,161/mo
Deposit HK$438K · loan HK$3.94M · min. income ≈ HK$38,166/mo (50% DSR)
Upfront cash ≈ HK$503K (deposit + AVD stamp duty HK$65,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,977
−HK$1,079/mo
▼ 0.25% · 3.875%
HK$20,513
−HK$543/mo
Today · 4.125%
HK$21,056
baseline
▲ 0.50% · 4.625%
HK$22,166
+HK$1,110/mo
Deposit HK$438K · loan HK$3.94M · min. income ≈ HK$42,112/mo (50% DSR)
Upfront cash ≈ HK$503K (deposit + AVD stamp duty HK$65,626 · 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).