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$9,965
−HK$625/mo
▼ 0.25% · 3.875%
HK$10,275
−HK$315/mo
Today · 4.125%
HK$10,590
baseline
▲ 0.50% · 4.625%
HK$11,235
+HK$645/mo
Deposit HK$2.19M · loan HK$2.19M · min. income ≈ HK$21,180/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$65,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,086
−HK$599/mo
▼ 0.25% · 3.875%
HK$11,384
−HK$301/mo
Today · 4.125%
HK$11,685
baseline
▲ 0.50% · 4.625%
HK$12,301
+HK$616/mo
Deposit HK$2.19M · loan HK$2.19M · min. income ≈ HK$23,370/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$65,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,958
−HK$750/mo
▼ 0.25% · 3.875%
HK$12,330
−HK$378/mo
Today · 4.125%
HK$12,708
baseline
▲ 0.50% · 4.625%
HK$13,482
+HK$774/mo
Deposit HK$1.75M · loan HK$2.62M · min. income ≈ HK$25,416/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$65,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,304
−HK$718/mo
▼ 0.25% · 3.875%
HK$13,660
−HK$362/mo
Today · 4.125%
HK$14,022
baseline
▲ 0.50% · 4.625%
HK$14,762
+HK$740/mo
Deposit HK$1.75M · loan HK$2.62M · min. income ≈ HK$28,044/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$65,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,951
−HK$875/mo
▼ 0.25% · 3.875%
HK$14,385
−HK$441/mo
Today · 4.125%
HK$14,826
baseline
▲ 0.50% · 4.625%
HK$15,729
+HK$903/mo
Deposit HK$1.31M · loan HK$3.06M · min. income ≈ HK$29,652/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$65,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,521
−HK$838/mo
▼ 0.25% · 3.875%
HK$15,937
−HK$422/mo
Today · 4.125%
HK$16,359
baseline
▲ 0.50% · 4.625%
HK$17,222
+HK$863/mo
Deposit HK$1.31M · loan HK$3.06M · min. income ≈ HK$32,718/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$65,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,938
−HK$1,124/mo
▼ 0.25% · 3.875%
HK$18,496
−HK$566/mo
Today · 4.125%
HK$19,062
baseline
▲ 0.50% · 4.625%
HK$20,222
+HK$1,160/mo
Deposit HK$437K · loan HK$3.93M · min. income ≈ HK$38,124/mo (50% DSR)
Upfront cash ≈ HK$503K (deposit + AVD stamp duty HK$65,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,955
−HK$1,079/mo
▼ 0.25% · 3.875%
HK$20,491
−HK$543/mo
Today · 4.125%
HK$21,034
baseline
▲ 0.50% · 4.625%
HK$22,142
+HK$1,108/mo
Deposit HK$437K · loan HK$3.93M · min. income ≈ HK$42,068/mo (50% DSR)
Upfront cash ≈ HK$503K (deposit + AVD stamp duty HK$65,555 · 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).