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$9,962
−HK$625/mo
▼ 0.25% · 3.875%
HK$10,272
−HK$315/mo
Today · 4.125%
HK$10,587
baseline
▲ 0.50% · 4.625%
HK$11,231
+HK$644/mo
Deposit HK$2.18M · loan HK$2.18M · min. income ≈ HK$21,174/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$65,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,083
−HK$599/mo
▼ 0.25% · 3.875%
HK$11,380
−HK$302/mo
Today · 4.125%
HK$11,682
baseline
▲ 0.50% · 4.625%
HK$12,297
+HK$615/mo
Deposit HK$2.18M · loan HK$2.18M · min. income ≈ HK$23,364/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$65,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,955
−HK$749/mo
▼ 0.25% · 3.875%
HK$12,326
−HK$378/mo
Today · 4.125%
HK$12,704
baseline
▲ 0.50% · 4.625%
HK$13,477
+HK$773/mo
Deposit HK$1.75M · loan HK$2.62M · min. income ≈ HK$25,408/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$65,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,299
−HK$719/mo
▼ 0.25% · 3.875%
HK$13,656
−HK$362/mo
Today · 4.125%
HK$14,018
baseline
▲ 0.50% · 4.625%
HK$14,757
+HK$739/mo
Deposit HK$1.75M · loan HK$2.62M · min. income ≈ HK$28,036/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$65,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,947
−HK$875/mo
▼ 0.25% · 3.875%
HK$14,381
−HK$441/mo
Today · 4.125%
HK$14,822
baseline
▲ 0.50% · 4.625%
HK$15,724
+HK$902/mo
Deposit HK$1.31M · loan HK$3.06M · min. income ≈ HK$29,644/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$65,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,516
−HK$838/mo
▼ 0.25% · 3.875%
HK$15,932
−HK$422/mo
Today · 4.125%
HK$16,354
baseline
▲ 0.50% · 4.625%
HK$17,216
+HK$862/mo
Deposit HK$1.31M · loan HK$3.06M · min. income ≈ HK$32,708/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$65,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,932
−HK$1,124/mo
▼ 0.25% · 3.875%
HK$18,490
−HK$566/mo
Today · 4.125%
HK$19,056
baseline
▲ 0.50% · 4.625%
HK$20,216
+HK$1,160/mo
Deposit HK$437K · loan HK$3.93M · min. income ≈ HK$38,112/mo (50% DSR)
Upfront cash ≈ HK$502K (deposit + AVD stamp duty HK$65,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,949
−HK$1,078/mo
▼ 0.25% · 3.875%
HK$20,484
−HK$543/mo
Today · 4.125%
HK$21,027
baseline
▲ 0.50% · 4.625%
HK$22,135
+HK$1,108/mo
Deposit HK$437K · loan HK$3.93M · min. income ≈ HK$42,054/mo (50% DSR)
Upfront cash ≈ HK$502K (deposit + AVD stamp duty HK$65,534 · 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).