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$9,985
−HK$627/mo
▼ 0.25% · 3.875%
HK$10,296
−HK$316/mo
Today · 4.125%
HK$10,612
baseline
▲ 0.50% · 4.625%
HK$11,257
+HK$645/mo
Deposit HK$2.19M · loan HK$2.19M · min. income ≈ HK$21,224/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$65,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,109
−HK$600/mo
▼ 0.25% · 3.875%
HK$11,407
−HK$302/mo
Today · 4.125%
HK$11,709
baseline
▲ 0.50% · 4.625%
HK$12,326
+HK$617/mo
Deposit HK$2.19M · loan HK$2.19M · min. income ≈ HK$23,418/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$65,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,983
−HK$751/mo
▼ 0.25% · 3.875%
HK$12,355
−HK$379/mo
Today · 4.125%
HK$12,734
baseline
▲ 0.50% · 4.625%
HK$13,509
+HK$775/mo
Deposit HK$1.75M · loan HK$2.63M · min. income ≈ HK$25,468/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$65,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,330
−HK$721/mo
▼ 0.25% · 3.875%
HK$13,688
−HK$363/mo
Today · 4.125%
HK$14,051
baseline
▲ 0.50% · 4.625%
HK$14,791
+HK$740/mo
Deposit HK$1.75M · loan HK$2.63M · min. income ≈ HK$28,102/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$65,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,980
−HK$876/mo
▼ 0.25% · 3.875%
HK$14,415
−HK$441/mo
Today · 4.125%
HK$14,856
baseline
▲ 0.50% · 4.625%
HK$15,760
+HK$904/mo
Deposit HK$1.31M · loan HK$3.07M · min. income ≈ HK$29,712/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$65,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,552
−HK$840/mo
▼ 0.25% · 3.875%
HK$15,969
−HK$423/mo
Today · 4.125%
HK$16,392
baseline
▲ 0.50% · 4.625%
HK$17,257
+HK$865/mo
Deposit HK$1.31M · loan HK$3.07M · min. income ≈ HK$32,784/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$65,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,974
−HK$1,127/mo
▼ 0.25% · 3.875%
HK$18,533
−HK$568/mo
Today · 4.125%
HK$19,101
baseline
▲ 0.50% · 4.625%
HK$20,263
+HK$1,162/mo
Deposit HK$438K · loan HK$3.94M · min. income ≈ HK$38,202/mo (50% DSR)
Upfront cash ≈ HK$504K (deposit + AVD stamp duty HK$65,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,996
−HK$1,080/mo
▼ 0.25% · 3.875%
HK$20,532
−HK$544/mo
Today · 4.125%
HK$21,076
baseline
▲ 0.50% · 4.625%
HK$22,187
+HK$1,111/mo
Deposit HK$438K · loan HK$3.94M · min. income ≈ HK$42,152/mo (50% DSR)
Upfront cash ≈ HK$504K (deposit + AVD stamp duty HK$65,687 · 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).