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$9,942
−HK$623/mo
▼ 0.25% · 3.875%
HK$10,251
−HK$314/mo
Today · 4.125%
HK$10,565
baseline
▲ 0.50% · 4.625%
HK$11,208
+HK$643/mo
Deposit HK$2.18M · loan HK$2.18M · min. income ≈ HK$21,130/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$65,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,060
−HK$598/mo
▼ 0.25% · 3.875%
HK$11,357
−HK$301/mo
Today · 4.125%
HK$11,658
baseline
▲ 0.50% · 4.625%
HK$12,272
+HK$614/mo
Deposit HK$2.18M · loan HK$2.18M · min. income ≈ HK$23,316/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$65,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,930
−HK$748/mo
▼ 0.25% · 3.875%
HK$12,301
−HK$377/mo
Today · 4.125%
HK$12,678
baseline
▲ 0.50% · 4.625%
HK$13,450
+HK$772/mo
Deposit HK$1.74M · loan HK$2.62M · min. income ≈ HK$25,356/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$65,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,272
−HK$717/mo
▼ 0.25% · 3.875%
HK$13,628
−HK$361/mo
Today · 4.125%
HK$13,989
baseline
▲ 0.50% · 4.625%
HK$14,727
+HK$738/mo
Deposit HK$1.74M · loan HK$2.62M · min. income ≈ HK$27,978/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$65,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,919
−HK$873/mo
▼ 0.25% · 3.875%
HK$14,352
−HK$440/mo
Today · 4.125%
HK$14,792
baseline
▲ 0.50% · 4.625%
HK$15,692
+HK$900/mo
Deposit HK$1.31M · loan HK$3.05M · min. income ≈ HK$29,584/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$65,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,484
−HK$837/mo
▼ 0.25% · 3.875%
HK$15,900
−HK$421/mo
Today · 4.125%
HK$16,321
baseline
▲ 0.50% · 4.625%
HK$17,181
+HK$860/mo
Deposit HK$1.31M · loan HK$3.05M · min. income ≈ HK$32,642/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$65,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,895
−HK$1,123/mo
▼ 0.25% · 3.875%
HK$18,452
−HK$566/mo
Today · 4.125%
HK$19,018
baseline
▲ 0.50% · 4.625%
HK$20,175
+HK$1,157/mo
Deposit HK$436K · loan HK$3.92M · min. income ≈ HK$38,036/mo (50% DSR)
Upfront cash ≈ HK$501K (deposit + AVD stamp duty HK$65,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,909
−HK$1,075/mo
▼ 0.25% · 3.875%
HK$20,442
−HK$542/mo
Today · 4.125%
HK$20,984
baseline
▲ 0.50% · 4.625%
HK$22,090
+HK$1,106/mo
Deposit HK$436K · loan HK$3.92M · min. income ≈ HK$41,968/mo (50% DSR)
Upfront cash ≈ HK$501K (deposit + AVD stamp duty HK$65,400 · 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).