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$9,986
−HK$626/mo
▼ 0.25% · 3.875%
HK$10,296
−HK$316/mo
Today · 4.125%
HK$10,612
baseline
▲ 0.50% · 4.625%
HK$11,258
+HK$646/mo
Deposit HK$2.19M · loan HK$2.19M · min. income ≈ HK$21,224/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$65,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,109
−HK$600/mo
▼ 0.25% · 3.875%
HK$11,407
−HK$302/mo
Today · 4.125%
HK$11,709
baseline
▲ 0.50% · 4.625%
HK$12,327
+HK$618/mo
Deposit HK$2.19M · loan HK$2.19M · min. income ≈ HK$23,418/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$65,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,983
−HK$751/mo
▼ 0.25% · 3.875%
HK$12,356
−HK$378/mo
Today · 4.125%
HK$12,734
baseline
▲ 0.50% · 4.625%
HK$13,509
+HK$775/mo
Deposit HK$1.75M · loan HK$2.63M · min. income ≈ HK$25,468/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$65,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,331
−HK$720/mo
▼ 0.25% · 3.875%
HK$13,689
−HK$362/mo
Today · 4.125%
HK$14,051
baseline
▲ 0.50% · 4.625%
HK$14,792
+HK$741/mo
Deposit HK$1.75M · loan HK$2.63M · min. income ≈ HK$28,102/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$65,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,980
−HK$877/mo
▼ 0.25% · 3.875%
HK$14,415
−HK$442/mo
Today · 4.125%
HK$14,857
baseline
▲ 0.50% · 4.625%
HK$15,761
+HK$904/mo
Deposit HK$1.31M · loan HK$3.07M · min. income ≈ HK$29,714/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$65,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,553
−HK$840/mo
▼ 0.25% · 3.875%
HK$15,970
−HK$423/mo
Today · 4.125%
HK$16,393
baseline
▲ 0.50% · 4.625%
HK$17,257
+HK$864/mo
Deposit HK$1.31M · loan HK$3.07M · min. income ≈ HK$32,786/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$65,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,975
−HK$1,127/mo
▼ 0.25% · 3.875%
HK$18,534
−HK$568/mo
Today · 4.125%
HK$19,102
baseline
▲ 0.50% · 4.625%
HK$20,264
+HK$1,162/mo
Deposit HK$438K · loan HK$3.94M · min. income ≈ HK$38,204/mo (50% DSR)
Upfront cash ≈ HK$504K (deposit + AVD stamp duty HK$65,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,996
−HK$1,081/mo
▼ 0.25% · 3.875%
HK$20,533
−HK$544/mo
Today · 4.125%
HK$21,077
baseline
▲ 0.50% · 4.625%
HK$22,188
+HK$1,111/mo
Deposit HK$438K · loan HK$3.94M · min. income ≈ HK$42,154/mo (50% DSR)
Upfront cash ≈ HK$504K (deposit + AVD stamp duty HK$65,689 · 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).