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$9,960
−HK$625/mo
▼ 0.25% · 3.875%
HK$10,270
−HK$315/mo
Today · 4.125%
HK$10,585
baseline
▲ 0.50% · 4.625%
HK$11,229
+HK$644/mo
Deposit HK$2.18M · loan HK$2.18M · min. income ≈ HK$21,170/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$65,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,080
−HK$599/mo
▼ 0.25% · 3.875%
HK$11,378
−HK$301/mo
Today · 4.125%
HK$11,679
baseline
▲ 0.50% · 4.625%
HK$12,295
+HK$616/mo
Deposit HK$2.18M · loan HK$2.18M · min. income ≈ HK$23,358/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$65,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,952
−HK$750/mo
▼ 0.25% · 3.875%
HK$12,324
−HK$378/mo
Today · 4.125%
HK$12,702
baseline
▲ 0.50% · 4.625%
HK$13,474
+HK$772/mo
Deposit HK$1.75M · loan HK$2.62M · min. income ≈ HK$25,404/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$65,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,297
−HK$718/mo
▼ 0.25% · 3.875%
HK$13,653
−HK$362/mo
Today · 4.125%
HK$14,015
baseline
▲ 0.50% · 4.625%
HK$14,754
+HK$739/mo
Deposit HK$1.75M · loan HK$2.62M · min. income ≈ HK$28,030/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$65,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,944
−HK$875/mo
▼ 0.25% · 3.875%
HK$14,378
−HK$441/mo
Today · 4.125%
HK$14,819
baseline
▲ 0.50% · 4.625%
HK$15,720
+HK$901/mo
Deposit HK$1.31M · loan HK$3.06M · min. income ≈ HK$29,638/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$65,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,513
−HK$838/mo
▼ 0.25% · 3.875%
HK$15,929
−HK$422/mo
Today · 4.125%
HK$16,351
baseline
▲ 0.50% · 4.625%
HK$17,213
+HK$862/mo
Deposit HK$1.31M · loan HK$3.06M · min. income ≈ HK$32,702/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$65,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,928
−HK$1,124/mo
▼ 0.25% · 3.875%
HK$18,486
−HK$566/mo
Today · 4.125%
HK$19,052
baseline
▲ 0.50% · 4.625%
HK$20,212
+HK$1,160/mo
Deposit HK$437K · loan HK$3.93M · min. income ≈ HK$38,104/mo (50% DSR)
Upfront cash ≈ HK$502K (deposit + AVD stamp duty HK$65,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,945
−HK$1,077/mo
▼ 0.25% · 3.875%
HK$20,480
−HK$542/mo
Today · 4.125%
HK$21,022
baseline
▲ 0.50% · 4.625%
HK$22,131
+HK$1,109/mo
Deposit HK$437K · loan HK$3.93M · min. income ≈ HK$42,044/mo (50% DSR)
Upfront cash ≈ HK$502K (deposit + AVD stamp duty HK$65,520 · 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).