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$9,989
−HK$627/mo
▼ 0.25% · 3.875%
HK$10,300
−HK$316/mo
Today · 4.125%
HK$10,616
baseline
▲ 0.50% · 4.625%
HK$11,262
+HK$646/mo
Deposit HK$2.19M · loan HK$2.19M · min. income ≈ HK$21,232/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$65,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,113
−HK$600/mo
▼ 0.25% · 3.875%
HK$11,411
−HK$302/mo
Today · 4.125%
HK$11,713
baseline
▲ 0.50% · 4.625%
HK$12,331
+HK$618/mo
Deposit HK$2.19M · loan HK$2.19M · min. income ≈ HK$23,426/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$65,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,987
−HK$752/mo
▼ 0.25% · 3.875%
HK$12,360
−HK$379/mo
Today · 4.125%
HK$12,739
baseline
▲ 0.50% · 4.625%
HK$13,514
+HK$775/mo
Deposit HK$1.75M · loan HK$2.63M · min. income ≈ HK$25,478/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$65,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,336
−HK$720/mo
▼ 0.25% · 3.875%
HK$13,693
−HK$363/mo
Today · 4.125%
HK$14,056
baseline
▲ 0.50% · 4.625%
HK$14,797
+HK$741/mo
Deposit HK$1.75M · loan HK$2.63M · min. income ≈ HK$28,112/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$65,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,985
−HK$877/mo
▼ 0.25% · 3.875%
HK$14,420
−HK$442/mo
Today · 4.125%
HK$14,862
baseline
▲ 0.50% · 4.625%
HK$15,766
+HK$904/mo
Deposit HK$1.31M · loan HK$3.07M · min. income ≈ HK$29,724/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$65,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,558
−HK$841/mo
▼ 0.25% · 3.875%
HK$15,976
−HK$423/mo
Today · 4.125%
HK$16,399
baseline
▲ 0.50% · 4.625%
HK$17,263
+HK$864/mo
Deposit HK$1.31M · loan HK$3.07M · min. income ≈ HK$32,798/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$65,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,981
−HK$1,127/mo
▼ 0.25% · 3.875%
HK$18,540
−HK$568/mo
Today · 4.125%
HK$19,108
baseline
▲ 0.50% · 4.625%
HK$20,271
+HK$1,163/mo
Deposit HK$438K · loan HK$3.94M · min. income ≈ HK$38,216/mo (50% DSR)
Upfront cash ≈ HK$504K (deposit + AVD stamp duty HK$65,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,003
−HK$1,081/mo
▼ 0.25% · 3.875%
HK$20,540
−HK$544/mo
Today · 4.125%
HK$21,084
baseline
▲ 0.50% · 4.625%
HK$22,196
+HK$1,112/mo
Deposit HK$438K · loan HK$3.94M · min. income ≈ HK$42,168/mo (50% DSR)
Upfront cash ≈ HK$504K (deposit + AVD stamp duty HK$65,713 · 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).