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$9,940
−HK$624/mo
▼ 0.25% · 3.875%
HK$10,249
−HK$315/mo
Today · 4.125%
HK$10,564
baseline
▲ 0.50% · 4.625%
HK$11,206
+HK$642/mo
Deposit HK$2.18M · loan HK$2.18M · min. income ≈ HK$21,128/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$65,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,058
−HK$598/mo
▼ 0.25% · 3.875%
HK$11,355
−HK$301/mo
Today · 4.125%
HK$11,656
baseline
▲ 0.50% · 4.625%
HK$12,270
+HK$614/mo
Deposit HK$2.18M · loan HK$2.18M · min. income ≈ HK$23,312/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$65,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,928
−HK$748/mo
▼ 0.25% · 3.875%
HK$12,299
−HK$377/mo
Today · 4.125%
HK$12,676
baseline
▲ 0.50% · 4.625%
HK$13,448
+HK$772/mo
Deposit HK$1.74M · loan HK$2.62M · min. income ≈ HK$25,352/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$65,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,270
−HK$717/mo
▼ 0.25% · 3.875%
HK$13,626
−HK$361/mo
Today · 4.125%
HK$13,987
baseline
▲ 0.50% · 4.625%
HK$14,724
+HK$737/mo
Deposit HK$1.74M · loan HK$2.62M · min. income ≈ HK$27,974/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$65,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,916
−HK$873/mo
▼ 0.25% · 3.875%
HK$14,349
−HK$440/mo
Today · 4.125%
HK$14,789
baseline
▲ 0.50% · 4.625%
HK$15,689
+HK$900/mo
Deposit HK$1.31M · loan HK$3.05M · min. income ≈ HK$29,578/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$65,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,482
−HK$836/mo
▼ 0.25% · 3.875%
HK$15,897
−HK$421/mo
Today · 4.125%
HK$16,318
baseline
▲ 0.50% · 4.625%
HK$17,178
+HK$860/mo
Deposit HK$1.31M · loan HK$3.05M · min. income ≈ HK$32,636/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$65,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,892
−HK$1,122/mo
▼ 0.25% · 3.875%
HK$18,449
−HK$565/mo
Today · 4.125%
HK$19,014
baseline
▲ 0.50% · 4.625%
HK$20,171
+HK$1,157/mo
Deposit HK$436K · loan HK$3.92M · min. income ≈ HK$38,028/mo (50% DSR)
Upfront cash ≈ HK$501K (deposit + AVD stamp duty HK$65,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,905
−HK$1,075/mo
▼ 0.25% · 3.875%
HK$20,439
−HK$541/mo
Today · 4.125%
HK$20,980
baseline
▲ 0.50% · 4.625%
HK$22,086
+HK$1,106/mo
Deposit HK$436K · loan HK$3.92M · min. income ≈ HK$41,960/mo (50% DSR)
Upfront cash ≈ HK$501K (deposit + AVD stamp duty HK$65,389 · 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).