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$9,935
−HK$623/mo
▼ 0.25% · 3.875%
HK$10,244
−HK$314/mo
Today · 4.125%
HK$10,558
baseline
▲ 0.50% · 4.625%
HK$11,200
+HK$642/mo
Deposit HK$2.18M · loan HK$2.18M · min. income ≈ HK$21,116/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$65,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,053
−HK$597/mo
▼ 0.25% · 3.875%
HK$11,349
−HK$301/mo
Today · 4.125%
HK$11,650
baseline
▲ 0.50% · 4.625%
HK$12,264
+HK$614/mo
Deposit HK$2.18M · loan HK$2.18M · min. income ≈ HK$23,300/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$65,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,922
−HK$748/mo
▼ 0.25% · 3.875%
HK$12,293
−HK$377/mo
Today · 4.125%
HK$12,670
baseline
▲ 0.50% · 4.625%
HK$13,441
+HK$771/mo
Deposit HK$1.74M · loan HK$2.61M · min. income ≈ HK$25,340/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$65,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,263
−HK$717/mo
▼ 0.25% · 3.875%
HK$13,619
−HK$361/mo
Today · 4.125%
HK$13,980
baseline
▲ 0.50% · 4.625%
HK$14,717
+HK$737/mo
Deposit HK$1.74M · loan HK$2.61M · min. income ≈ HK$27,960/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$65,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,909
−HK$872/mo
▼ 0.25% · 3.875%
HK$14,342
−HK$439/mo
Today · 4.125%
HK$14,781
baseline
▲ 0.50% · 4.625%
HK$15,681
+HK$900/mo
Deposit HK$1.31M · loan HK$3.05M · min. income ≈ HK$29,562/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$65,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,474
−HK$836/mo
▼ 0.25% · 3.875%
HK$15,889
−HK$421/mo
Today · 4.125%
HK$16,310
baseline
▲ 0.50% · 4.625%
HK$17,169
+HK$859/mo
Deposit HK$1.31M · loan HK$3.05M · min. income ≈ HK$32,620/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$65,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,883
−HK$1,121/mo
▼ 0.25% · 3.875%
HK$18,439
−HK$565/mo
Today · 4.125%
HK$19,004
baseline
▲ 0.50% · 4.625%
HK$20,161
+HK$1,157/mo
Deposit HK$436K · loan HK$3.92M · min. income ≈ HK$38,008/mo (50% DSR)
Upfront cash ≈ HK$501K (deposit + AVD stamp duty HK$65,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,895
−HK$1,075/mo
▼ 0.25% · 3.875%
HK$20,428
−HK$542/mo
Today · 4.125%
HK$20,970
baseline
▲ 0.50% · 4.625%
HK$22,075
+HK$1,105/mo
Deposit HK$436K · loan HK$3.92M · min. income ≈ HK$41,940/mo (50% DSR)
Upfront cash ≈ HK$501K (deposit + AVD stamp duty HK$65,355 · 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).