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$9,947
−HK$624/mo
▼ 0.25% · 3.875%
HK$10,257
−HK$314/mo
Today · 4.125%
HK$10,571
baseline
▲ 0.50% · 4.625%
HK$11,214
+HK$643/mo
Deposit HK$2.18M · loan HK$2.18M · min. income ≈ HK$21,142/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$65,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,066
−HK$598/mo
▼ 0.25% · 3.875%
HK$11,363
−HK$301/mo
Today · 4.125%
HK$11,664
baseline
▲ 0.50% · 4.625%
HK$12,279
+HK$615/mo
Deposit HK$2.18M · loan HK$2.18M · min. income ≈ HK$23,328/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$65,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,937
−HK$748/mo
▼ 0.25% · 3.875%
HK$12,308
−HK$377/mo
Today · 4.125%
HK$12,685
baseline
▲ 0.50% · 4.625%
HK$13,457
+HK$772/mo
Deposit HK$1.74M · loan HK$2.62M · min. income ≈ HK$25,370/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$65,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,279
−HK$718/mo
▼ 0.25% · 3.875%
HK$13,635
−HK$362/mo
Today · 4.125%
HK$13,997
baseline
▲ 0.50% · 4.625%
HK$14,734
+HK$737/mo
Deposit HK$1.74M · loan HK$2.62M · min. income ≈ HK$27,994/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$65,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,926
−HK$873/mo
▼ 0.25% · 3.875%
HK$14,359
−HK$440/mo
Today · 4.125%
HK$14,799
baseline
▲ 0.50% · 4.625%
HK$15,700
+HK$901/mo
Deposit HK$1.31M · loan HK$3.05M · min. income ≈ HK$29,598/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$65,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,492
−HK$837/mo
▼ 0.25% · 3.875%
HK$15,908
−HK$421/mo
Today · 4.125%
HK$16,329
baseline
▲ 0.50% · 4.625%
HK$17,190
+HK$861/mo
Deposit HK$1.31M · loan HK$3.05M · min. income ≈ HK$32,658/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$65,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,905
−HK$1,123/mo
▼ 0.25% · 3.875%
HK$18,462
−HK$566/mo
Today · 4.125%
HK$19,028
baseline
▲ 0.50% · 4.625%
HK$20,185
+HK$1,157/mo
Deposit HK$436K · loan HK$3.93M · min. income ≈ HK$38,056/mo (50% DSR)
Upfront cash ≈ HK$502K (deposit + AVD stamp duty HK$65,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,919
−HK$1,076/mo
▼ 0.25% · 3.875%
HK$20,453
−HK$542/mo
Today · 4.125%
HK$20,995
baseline
▲ 0.50% · 4.625%
HK$22,102
+HK$1,107/mo
Deposit HK$436K · loan HK$3.93M · min. income ≈ HK$41,990/mo (50% DSR)
Upfront cash ≈ HK$502K (deposit + AVD stamp duty HK$65,435 · 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).