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$9,964
−HK$625/mo
▼ 0.25% · 3.875%
HK$10,274
−HK$315/mo
Today · 4.125%
HK$10,589
baseline
▲ 0.50% · 4.625%
HK$11,233
+HK$644/mo
Deposit HK$2.18M · loan HK$2.18M · min. income ≈ HK$21,178/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$65,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,085
−HK$599/mo
▼ 0.25% · 3.875%
HK$11,382
−HK$302/mo
Today · 4.125%
HK$11,684
baseline
▲ 0.50% · 4.625%
HK$12,300
+HK$616/mo
Deposit HK$2.18M · loan HK$2.18M · min. income ≈ HK$23,368/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$65,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,957
−HK$750/mo
▼ 0.25% · 3.875%
HK$12,329
−HK$378/mo
Today · 4.125%
HK$12,707
baseline
▲ 0.50% · 4.625%
HK$13,480
+HK$773/mo
Deposit HK$1.75M · loan HK$2.62M · min. income ≈ HK$25,414/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$65,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,302
−HK$719/mo
▼ 0.25% · 3.875%
HK$13,659
−HK$362/mo
Today · 4.125%
HK$14,021
baseline
▲ 0.50% · 4.625%
HK$14,760
+HK$739/mo
Deposit HK$1.75M · loan HK$2.62M · min. income ≈ HK$28,042/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$65,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,950
−HK$875/mo
▼ 0.25% · 3.875%
HK$14,384
−HK$441/mo
Today · 4.125%
HK$14,825
baseline
▲ 0.50% · 4.625%
HK$15,727
+HK$902/mo
Deposit HK$1.31M · loan HK$3.06M · min. income ≈ HK$29,650/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$65,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,519
−HK$838/mo
▼ 0.25% · 3.875%
HK$15,935
−HK$422/mo
Today · 4.125%
HK$16,357
baseline
▲ 0.50% · 4.625%
HK$17,220
+HK$863/mo
Deposit HK$1.31M · loan HK$3.06M · min. income ≈ HK$32,714/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$65,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,935
−HK$1,125/mo
▼ 0.25% · 3.875%
HK$18,493
−HK$567/mo
Today · 4.125%
HK$19,060
baseline
▲ 0.50% · 4.625%
HK$20,220
+HK$1,160/mo
Deposit HK$437K · loan HK$3.93M · min. income ≈ HK$38,120/mo (50% DSR)
Upfront cash ≈ HK$503K (deposit + AVD stamp duty HK$65,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,953
−HK$1,078/mo
▼ 0.25% · 3.875%
HK$20,488
−HK$543/mo
Today · 4.125%
HK$21,031
baseline
▲ 0.50% · 4.625%
HK$22,140
+HK$1,109/mo
Deposit HK$437K · loan HK$3.93M · min. income ≈ HK$42,062/mo (50% DSR)
Upfront cash ≈ HK$503K (deposit + AVD stamp duty HK$65,547 · 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).