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$10,004
−HK$627/mo
▼ 0.25% · 3.875%
HK$10,315
−HK$316/mo
Today · 4.125%
HK$10,631
baseline
▲ 0.50% · 4.625%
HK$11,278
+HK$647/mo
Deposit HK$2.19M · loan HK$2.19M · min. income ≈ HK$21,262/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$65,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,129
−HK$601/mo
▼ 0.25% · 3.875%
HK$11,427
−HK$303/mo
Today · 4.125%
HK$11,730
baseline
▲ 0.50% · 4.625%
HK$12,348
+HK$618/mo
Deposit HK$2.19M · loan HK$2.19M · min. income ≈ HK$23,460/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$65,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,004
−HK$753/mo
▼ 0.25% · 3.875%
HK$12,378
−HK$379/mo
Today · 4.125%
HK$12,757
baseline
▲ 0.50% · 4.625%
HK$13,533
+HK$776/mo
Deposit HK$1.75M · loan HK$2.63M · min. income ≈ HK$25,514/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$65,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,355
−HK$721/mo
▼ 0.25% · 3.875%
HK$13,713
−HK$363/mo
Today · 4.125%
HK$14,076
baseline
▲ 0.50% · 4.625%
HK$14,818
+HK$742/mo
Deposit HK$1.75M · loan HK$2.63M · min. income ≈ HK$28,152/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$65,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,005
−HK$878/mo
▼ 0.25% · 3.875%
HK$14,441
−HK$442/mo
Today · 4.125%
HK$14,883
baseline
▲ 0.50% · 4.625%
HK$15,789
+HK$906/mo
Deposit HK$1.32M · loan HK$3.07M · min. income ≈ HK$29,766/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$65,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,580
−HK$842/mo
▼ 0.25% · 3.875%
HK$15,998
−HK$424/mo
Today · 4.125%
HK$16,422
baseline
▲ 0.50% · 4.625%
HK$17,288
+HK$866/mo
Deposit HK$1.32M · loan HK$3.07M · min. income ≈ HK$32,844/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$65,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,006
−HK$1,130/mo
▼ 0.25% · 3.875%
HK$18,567
−HK$569/mo
Today · 4.125%
HK$19,136
baseline
▲ 0.50% · 4.625%
HK$20,300
+HK$1,164/mo
Deposit HK$439K · loan HK$3.95M · min. income ≈ HK$38,272/mo (50% DSR)
Upfront cash ≈ HK$505K (deposit + AVD stamp duty HK$65,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,032
−HK$1,082/mo
▼ 0.25% · 3.875%
HK$20,569
−HK$545/mo
Today · 4.125%
HK$21,114
baseline
▲ 0.50% · 4.625%
HK$22,227
+HK$1,113/mo
Deposit HK$439K · loan HK$3.95M · min. income ≈ HK$42,228/mo (50% DSR)
Upfront cash ≈ HK$505K (deposit + AVD stamp duty HK$65,806 · 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).