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$9,943
−HK$623/mo
▼ 0.25% · 3.875%
HK$10,252
−HK$314/mo
Today · 4.125%
HK$10,566
baseline
▲ 0.50% · 4.625%
HK$11,209
+HK$643/mo
Deposit HK$2.18M · loan HK$2.18M · min. income ≈ HK$21,132/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$65,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,061
−HK$598/mo
▼ 0.25% · 3.875%
HK$11,358
−HK$301/mo
Today · 4.125%
HK$11,659
baseline
▲ 0.50% · 4.625%
HK$12,273
+HK$614/mo
Deposit HK$2.18M · loan HK$2.18M · min. income ≈ HK$23,318/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$65,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,931
−HK$749/mo
▼ 0.25% · 3.875%
HK$12,302
−HK$378/mo
Today · 4.125%
HK$12,680
baseline
▲ 0.50% · 4.625%
HK$13,451
+HK$771/mo
Deposit HK$1.74M · loan HK$2.62M · min. income ≈ HK$25,360/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$65,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,273
−HK$718/mo
▼ 0.25% · 3.875%
HK$13,629
−HK$362/mo
Today · 4.125%
HK$13,991
baseline
▲ 0.50% · 4.625%
HK$14,728
+HK$737/mo
Deposit HK$1.74M · loan HK$2.62M · min. income ≈ HK$27,982/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$65,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,920
−HK$873/mo
▼ 0.25% · 3.875%
HK$14,353
−HK$440/mo
Today · 4.125%
HK$14,793
baseline
▲ 0.50% · 4.625%
HK$15,693
+HK$900/mo
Deposit HK$1.31M · loan HK$3.05M · min. income ≈ HK$29,586/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$65,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,486
−HK$836/mo
▼ 0.25% · 3.875%
HK$15,901
−HK$421/mo
Today · 4.125%
HK$16,322
baseline
▲ 0.50% · 4.625%
HK$17,183
+HK$861/mo
Deposit HK$1.31M · loan HK$3.05M · min. income ≈ HK$32,644/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$65,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,897
−HK$1,122/mo
▼ 0.25% · 3.875%
HK$18,454
−HK$565/mo
Today · 4.125%
HK$19,019
baseline
▲ 0.50% · 4.625%
HK$20,177
+HK$1,158/mo
Deposit HK$436K · loan HK$3.92M · min. income ≈ HK$38,038/mo (50% DSR)
Upfront cash ≈ HK$501K (deposit + AVD stamp duty HK$65,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,910
−HK$1,076/mo
▼ 0.25% · 3.875%
HK$20,444
−HK$542/mo
Today · 4.125%
HK$20,986
baseline
▲ 0.50% · 4.625%
HK$22,092
+HK$1,106/mo
Deposit HK$436K · loan HK$3.92M · min. income ≈ HK$41,972/mo (50% DSR)
Upfront cash ≈ HK$501K (deposit + AVD stamp duty HK$65,406 · 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).