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$9,960
−HK$624/mo
▼ 0.25% · 3.875%
HK$10,270
−HK$314/mo
Today · 4.125%
HK$10,584
baseline
▲ 0.50% · 4.625%
HK$11,228
+HK$644/mo
Deposit HK$2.18M · loan HK$2.18M · min. income ≈ HK$21,168/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$65,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,080
−HK$599/mo
▼ 0.25% · 3.875%
HK$11,377
−HK$302/mo
Today · 4.125%
HK$11,679
baseline
▲ 0.50% · 4.625%
HK$12,294
+HK$615/mo
Deposit HK$2.18M · loan HK$2.18M · min. income ≈ HK$23,358/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$65,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,952
−HK$749/mo
▼ 0.25% · 3.875%
HK$12,324
−HK$377/mo
Today · 4.125%
HK$12,701
baseline
▲ 0.50% · 4.625%
HK$13,474
+HK$773/mo
Deposit HK$1.75M · loan HK$2.62M · min. income ≈ HK$25,402/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$65,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,296
−HK$719/mo
▼ 0.25% · 3.875%
HK$13,653
−HK$362/mo
Today · 4.125%
HK$14,015
baseline
▲ 0.50% · 4.625%
HK$14,753
+HK$738/mo
Deposit HK$1.75M · loan HK$2.62M · min. income ≈ HK$28,030/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$65,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,944
−HK$874/mo
▼ 0.25% · 3.875%
HK$14,377
−HK$441/mo
Today · 4.125%
HK$14,818
baseline
▲ 0.50% · 4.625%
HK$15,720
+HK$902/mo
Deposit HK$1.31M · loan HK$3.06M · min. income ≈ HK$29,636/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$65,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,512
−HK$838/mo
▼ 0.25% · 3.875%
HK$15,928
−HK$422/mo
Today · 4.125%
HK$16,350
baseline
▲ 0.50% · 4.625%
HK$17,212
+HK$862/mo
Deposit HK$1.31M · loan HK$3.06M · min. income ≈ HK$32,700/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$65,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,928
−HK$1,124/mo
▼ 0.25% · 3.875%
HK$18,485
−HK$567/mo
Today · 4.125%
HK$19,052
baseline
▲ 0.50% · 4.625%
HK$20,211
+HK$1,159/mo
Deposit HK$437K · loan HK$3.93M · min. income ≈ HK$38,104/mo (50% DSR)
Upfront cash ≈ HK$502K (deposit + AVD stamp duty HK$65,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,944
−HK$1,078/mo
▼ 0.25% · 3.875%
HK$20,479
−HK$543/mo
Today · 4.125%
HK$21,022
baseline
▲ 0.50% · 4.625%
HK$22,130
+HK$1,108/mo
Deposit HK$437K · loan HK$3.93M · min. income ≈ HK$42,044/mo (50% DSR)
Upfront cash ≈ HK$502K (deposit + AVD stamp duty HK$65,518 · 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).