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$9,979
−HK$626/mo
▼ 0.25% · 3.875%
HK$10,289
−HK$316/mo
Today · 4.125%
HK$10,605
baseline
▲ 0.50% · 4.625%
HK$11,250
+HK$645/mo
Deposit HK$2.19M · loan HK$2.19M · min. income ≈ HK$21,210/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$65,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,101
−HK$600/mo
▼ 0.25% · 3.875%
HK$11,399
−HK$302/mo
Today · 4.125%
HK$11,701
baseline
▲ 0.50% · 4.625%
HK$12,318
+HK$617/mo
Deposit HK$2.19M · loan HK$2.19M · min. income ≈ HK$23,402/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$65,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,975
−HK$750/mo
▼ 0.25% · 3.875%
HK$12,347
−HK$378/mo
Today · 4.125%
HK$12,725
baseline
▲ 0.50% · 4.625%
HK$13,500
+HK$775/mo
Deposit HK$1.75M · loan HK$2.63M · min. income ≈ HK$25,450/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$65,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,322
−HK$719/mo
▼ 0.25% · 3.875%
HK$13,679
−HK$362/mo
Today · 4.125%
HK$14,041
baseline
▲ 0.50% · 4.625%
HK$14,781
+HK$740/mo
Deposit HK$1.75M · loan HK$2.63M · min. income ≈ HK$28,082/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$65,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,970
−HK$876/mo
▼ 0.25% · 3.875%
HK$14,405
−HK$441/mo
Today · 4.125%
HK$14,846
baseline
▲ 0.50% · 4.625%
HK$15,750
+HK$904/mo
Deposit HK$1.31M · loan HK$3.06M · min. income ≈ HK$29,692/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$65,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,542
−HK$840/mo
▼ 0.25% · 3.875%
HK$15,959
−HK$423/mo
Today · 4.125%
HK$16,382
baseline
▲ 0.50% · 4.625%
HK$17,245
+HK$863/mo
Deposit HK$1.31M · loan HK$3.06M · min. income ≈ HK$32,764/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$65,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,962
−HK$1,126/mo
▼ 0.25% · 3.875%
HK$18,521
−HK$567/mo
Today · 4.125%
HK$19,088
baseline
▲ 0.50% · 4.625%
HK$20,250
+HK$1,162/mo
Deposit HK$438K · loan HK$3.94M · min. income ≈ HK$38,176/mo (50% DSR)
Upfront cash ≈ HK$503K (deposit + AVD stamp duty HK$65,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,982
−HK$1,080/mo
▼ 0.25% · 3.875%
HK$20,518
−HK$544/mo
Today · 4.125%
HK$21,062
baseline
▲ 0.50% · 4.625%
HK$22,172
+HK$1,110/mo
Deposit HK$438K · loan HK$3.94M · min. income ≈ HK$42,124/mo (50% DSR)
Upfront cash ≈ HK$503K (deposit + AVD stamp duty HK$65,643 · 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).