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$9,956
−HK$624/mo
▼ 0.25% · 3.875%
HK$10,265
−HK$315/mo
Today · 4.125%
HK$10,580
baseline
▲ 0.50% · 4.625%
HK$11,224
+HK$644/mo
Deposit HK$2.18M · loan HK$2.18M · min. income ≈ HK$21,160/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$65,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,076
−HK$598/mo
▼ 0.25% · 3.875%
HK$11,373
−HK$301/mo
Today · 4.125%
HK$11,674
baseline
▲ 0.50% · 4.625%
HK$12,289
+HK$615/mo
Deposit HK$2.18M · loan HK$2.18M · min. income ≈ HK$23,348/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$65,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,947
−HK$749/mo
▼ 0.25% · 3.875%
HK$12,319
−HK$377/mo
Today · 4.125%
HK$12,696
baseline
▲ 0.50% · 4.625%
HK$13,469
+HK$773/mo
Deposit HK$1.75M · loan HK$2.62M · min. income ≈ HK$25,392/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$65,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,291
−HK$718/mo
▼ 0.25% · 3.875%
HK$13,647
−HK$362/mo
Today · 4.125%
HK$14,009
baseline
▲ 0.50% · 4.625%
HK$14,747
+HK$738/mo
Deposit HK$1.75M · loan HK$2.62M · min. income ≈ HK$28,018/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$65,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,938
−HK$874/mo
▼ 0.25% · 3.875%
HK$14,372
−HK$440/mo
Today · 4.125%
HK$14,812
baseline
▲ 0.50% · 4.625%
HK$15,713
+HK$901/mo
Deposit HK$1.31M · loan HK$3.06M · min. income ≈ HK$29,624/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$65,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,506
−HK$838/mo
▼ 0.25% · 3.875%
HK$15,922
−HK$422/mo
Today · 4.125%
HK$16,344
baseline
▲ 0.50% · 4.625%
HK$17,205
+HK$861/mo
Deposit HK$1.31M · loan HK$3.06M · min. income ≈ HK$32,688/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$65,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,920
−HK$1,124/mo
▼ 0.25% · 3.875%
HK$18,478
−HK$566/mo
Today · 4.125%
HK$19,044
baseline
▲ 0.50% · 4.625%
HK$20,203
+HK$1,159/mo
Deposit HK$437K · loan HK$3.93M · min. income ≈ HK$38,088/mo (50% DSR)
Upfront cash ≈ HK$502K (deposit + AVD stamp duty HK$65,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,936
−HK$1,077/mo
▼ 0.25% · 3.875%
HK$20,471
−HK$542/mo
Today · 4.125%
HK$21,013
baseline
▲ 0.50% · 4.625%
HK$22,121
+HK$1,108/mo
Deposit HK$437K · loan HK$3.93M · min. income ≈ HK$42,026/mo (50% DSR)
Upfront cash ≈ HK$502K (deposit + AVD stamp duty HK$65,492 · 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).