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$9,984
−HK$626/mo
▼ 0.25% · 3.875%
HK$10,295
−HK$315/mo
Today · 4.125%
HK$10,610
baseline
▲ 0.50% · 4.625%
HK$11,256
+HK$646/mo
Deposit HK$2.19M · loan HK$2.19M · min. income ≈ HK$21,220/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$65,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,107
−HK$600/mo
▼ 0.25% · 3.875%
HK$11,405
−HK$302/mo
Today · 4.125%
HK$11,707
baseline
▲ 0.50% · 4.625%
HK$12,325
+HK$618/mo
Deposit HK$2.19M · loan HK$2.19M · min. income ≈ HK$23,414/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$65,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,981
−HK$751/mo
▼ 0.25% · 3.875%
HK$12,354
−HK$378/mo
Today · 4.125%
HK$12,732
baseline
▲ 0.50% · 4.625%
HK$13,507
+HK$775/mo
Deposit HK$1.75M · loan HK$2.63M · min. income ≈ HK$25,464/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$65,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,329
−HK$720/mo
▼ 0.25% · 3.875%
HK$13,686
−HK$363/mo
Today · 4.125%
HK$14,049
baseline
▲ 0.50% · 4.625%
HK$14,789
+HK$740/mo
Deposit HK$1.75M · loan HK$2.63M · min. income ≈ HK$28,098/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$65,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,978
−HK$876/mo
▼ 0.25% · 3.875%
HK$14,413
−HK$441/mo
Today · 4.125%
HK$14,854
baseline
▲ 0.50% · 4.625%
HK$15,758
+HK$904/mo
Deposit HK$1.31M · loan HK$3.06M · min. income ≈ HK$29,708/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$65,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,550
−HK$840/mo
▼ 0.25% · 3.875%
HK$15,967
−HK$423/mo
Today · 4.125%
HK$16,390
baseline
▲ 0.50% · 4.625%
HK$17,254
+HK$864/mo
Deposit HK$1.31M · loan HK$3.06M · min. income ≈ HK$32,780/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$65,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,972
−HK$1,127/mo
▼ 0.25% · 3.875%
HK$18,531
−HK$568/mo
Today · 4.125%
HK$19,099
baseline
▲ 0.50% · 4.625%
HK$20,261
+HK$1,162/mo
Deposit HK$438K · loan HK$3.94M · min. income ≈ HK$38,198/mo (50% DSR)
Upfront cash ≈ HK$504K (deposit + AVD stamp duty HK$65,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,993
−HK$1,080/mo
▼ 0.25% · 3.875%
HK$20,529
−HK$544/mo
Today · 4.125%
HK$21,073
baseline
▲ 0.50% · 4.625%
HK$22,184
+HK$1,111/mo
Deposit HK$438K · loan HK$3.94M · min. income ≈ HK$42,146/mo (50% DSR)
Upfront cash ≈ HK$504K (deposit + AVD stamp duty HK$65,679 · 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).