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$9,954
−HK$624/mo
▼ 0.25% · 3.875%
HK$10,263
−HK$315/mo
Today · 4.125%
HK$10,578
baseline
▲ 0.50% · 4.625%
HK$11,222
+HK$644/mo
Deposit HK$2.18M · loan HK$2.18M · min. income ≈ HK$21,156/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$65,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,073
−HK$599/mo
▼ 0.25% · 3.875%
HK$11,370
−HK$302/mo
Today · 4.125%
HK$11,672
baseline
▲ 0.50% · 4.625%
HK$12,287
+HK$615/mo
Deposit HK$2.18M · loan HK$2.18M · min. income ≈ HK$23,344/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$65,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,944
−HK$749/mo
▼ 0.25% · 3.875%
HK$12,316
−HK$377/mo
Today · 4.125%
HK$12,693
baseline
▲ 0.50% · 4.625%
HK$13,466
+HK$773/mo
Deposit HK$1.75M · loan HK$2.62M · min. income ≈ HK$25,386/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$65,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,288
−HK$718/mo
▼ 0.25% · 3.875%
HK$13,644
−HK$362/mo
Today · 4.125%
HK$14,006
baseline
▲ 0.50% · 4.625%
HK$14,744
+HK$738/mo
Deposit HK$1.75M · loan HK$2.62M · min. income ≈ HK$28,012/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$65,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,935
−HK$874/mo
▼ 0.25% · 3.875%
HK$14,369
−HK$440/mo
Today · 4.125%
HK$14,809
baseline
▲ 0.50% · 4.625%
HK$15,710
+HK$901/mo
Deposit HK$1.31M · loan HK$3.06M · min. income ≈ HK$29,618/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$65,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,503
−HK$837/mo
▼ 0.25% · 3.875%
HK$15,919
−HK$421/mo
Today · 4.125%
HK$16,340
baseline
▲ 0.50% · 4.625%
HK$17,202
+HK$862/mo
Deposit HK$1.31M · loan HK$3.06M · min. income ≈ HK$32,680/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$65,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,917
−HK$1,123/mo
▼ 0.25% · 3.875%
HK$18,474
−HK$566/mo
Today · 4.125%
HK$19,040
baseline
▲ 0.50% · 4.625%
HK$20,199
+HK$1,159/mo
Deposit HK$437K · loan HK$3.93M · min. income ≈ HK$38,080/mo (50% DSR)
Upfront cash ≈ HK$502K (deposit + AVD stamp duty HK$65,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,932
−HK$1,077/mo
▼ 0.25% · 3.875%
HK$20,467
−HK$542/mo
Today · 4.125%
HK$21,009
baseline
▲ 0.50% · 4.625%
HK$22,116
+HK$1,107/mo
Deposit HK$437K · loan HK$3.93M · min. income ≈ HK$42,018/mo (50% DSR)
Upfront cash ≈ HK$502K (deposit + AVD stamp duty HK$65,478 · 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).