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$9,997
−HK$627/mo
▼ 0.25% · 3.875%
HK$10,308
−HK$316/mo
Today · 4.125%
HK$10,624
baseline
▲ 0.50% · 4.625%
HK$11,270
+HK$646/mo
Deposit HK$2.19M · loan HK$2.19M · min. income ≈ HK$21,248/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$65,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,121
−HK$601/mo
▼ 0.25% · 3.875%
HK$11,420
−HK$302/mo
Today · 4.125%
HK$11,722
baseline
▲ 0.50% · 4.625%
HK$12,340
+HK$618/mo
Deposit HK$2.19M · loan HK$2.19M · min. income ≈ HK$23,444/mo (50% DSR)
Upfront cash ≈ HK$2.26M (deposit + AVD stamp duty HK$65,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,996
−HK$752/mo
▼ 0.25% · 3.875%
HK$12,369
−HK$379/mo
Today · 4.125%
HK$12,748
baseline
▲ 0.50% · 4.625%
HK$13,524
+HK$776/mo
Deposit HK$1.75M · loan HK$2.63M · min. income ≈ HK$25,496/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$65,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,346
−HK$721/mo
▼ 0.25% · 3.875%
HK$13,704
−HK$363/mo
Today · 4.125%
HK$14,067
baseline
▲ 0.50% · 4.625%
HK$14,808
+HK$741/mo
Deposit HK$1.75M · loan HK$2.63M · min. income ≈ HK$28,134/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$65,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,996
−HK$877/mo
▼ 0.25% · 3.875%
HK$14,431
−HK$442/mo
Today · 4.125%
HK$14,873
baseline
▲ 0.50% · 4.625%
HK$15,778
+HK$905/mo
Deposit HK$1.32M · loan HK$3.07M · min. income ≈ HK$29,746/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$65,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,570
−HK$841/mo
▼ 0.25% · 3.875%
HK$15,987
−HK$424/mo
Today · 4.125%
HK$16,411
baseline
▲ 0.50% · 4.625%
HK$17,276
+HK$865/mo
Deposit HK$1.32M · loan HK$3.07M · min. income ≈ HK$32,822/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$65,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,994
−HK$1,129/mo
▼ 0.25% · 3.875%
HK$18,554
−HK$569/mo
Today · 4.125%
HK$19,123
baseline
▲ 0.50% · 4.625%
HK$20,286
+HK$1,163/mo
Deposit HK$438K · loan HK$3.95M · min. income ≈ HK$38,246/mo (50% DSR)
Upfront cash ≈ HK$504K (deposit + AVD stamp duty HK$65,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,018
−HK$1,082/mo
▼ 0.25% · 3.875%
HK$20,555
−HK$545/mo
Today · 4.125%
HK$21,100
baseline
▲ 0.50% · 4.625%
HK$22,212
+HK$1,112/mo
Deposit HK$438K · loan HK$3.95M · min. income ≈ HK$42,200/mo (50% DSR)
Upfront cash ≈ HK$504K (deposit + AVD stamp duty HK$65,762 · 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).