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$9,988
−HK$626/mo
▼ 0.25% · 3.875%
HK$10,298
−HK$316/mo
Today · 4.125%
HK$10,614
baseline
▲ 0.50% · 4.625%
HK$11,260
+HK$646/mo
Deposit HK$2.19M · loan HK$2.19M · min. income ≈ HK$21,228/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$65,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,111
−HK$601/mo
▼ 0.25% · 3.875%
HK$11,409
−HK$303/mo
Today · 4.125%
HK$11,712
baseline
▲ 0.50% · 4.625%
HK$12,329
+HK$617/mo
Deposit HK$2.19M · loan HK$2.19M · min. income ≈ HK$23,424/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$65,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,985
−HK$752/mo
▼ 0.25% · 3.875%
HK$12,358
−HK$379/mo
Today · 4.125%
HK$12,737
baseline
▲ 0.50% · 4.625%
HK$13,512
+HK$775/mo
Deposit HK$1.75M · loan HK$2.63M · min. income ≈ HK$25,474/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$65,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,333
−HK$721/mo
▼ 0.25% · 3.875%
HK$13,691
−HK$363/mo
Today · 4.125%
HK$14,054
baseline
▲ 0.50% · 4.625%
HK$14,795
+HK$741/mo
Deposit HK$1.75M · loan HK$2.63M · min. income ≈ HK$28,108/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$65,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,983
−HK$877/mo
▼ 0.25% · 3.875%
HK$14,418
−HK$442/mo
Today · 4.125%
HK$14,860
baseline
▲ 0.50% · 4.625%
HK$15,764
+HK$904/mo
Deposit HK$1.31M · loan HK$3.07M · min. income ≈ HK$29,720/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$65,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,556
−HK$840/mo
▼ 0.25% · 3.875%
HK$15,973
−HK$423/mo
Today · 4.125%
HK$16,396
baseline
▲ 0.50% · 4.625%
HK$17,260
+HK$864/mo
Deposit HK$1.31M · loan HK$3.07M · min. income ≈ HK$32,792/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$65,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,978
−HK$1,127/mo
▼ 0.25% · 3.875%
HK$18,537
−HK$568/mo
Today · 4.125%
HK$19,105
baseline
▲ 0.50% · 4.625%
HK$20,268
+HK$1,163/mo
Deposit HK$438K · loan HK$3.94M · min. income ≈ HK$38,210/mo (50% DSR)
Upfront cash ≈ HK$504K (deposit + AVD stamp duty HK$65,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,000
−HK$1,081/mo
▼ 0.25% · 3.875%
HK$20,537
−HK$544/mo
Today · 4.125%
HK$21,081
baseline
▲ 0.50% · 4.625%
HK$22,192
+HK$1,111/mo
Deposit HK$438K · loan HK$3.94M · min. income ≈ HK$42,162/mo (50% DSR)
Upfront cash ≈ HK$504K (deposit + AVD stamp duty HK$65,702 · 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).