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$9,940
−HK$623/mo
▼ 0.25% · 3.875%
HK$10,249
−HK$314/mo
Today · 4.125%
HK$10,563
baseline
▲ 0.50% · 4.625%
HK$11,206
+HK$643/mo
Deposit HK$2.18M · loan HK$2.18M · min. income ≈ HK$21,126/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$65,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,058
−HK$597/mo
▼ 0.25% · 3.875%
HK$11,355
−HK$300/mo
Today · 4.125%
HK$11,655
baseline
▲ 0.50% · 4.625%
HK$12,270
+HK$615/mo
Deposit HK$2.18M · loan HK$2.18M · min. income ≈ HK$23,310/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$65,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,928
−HK$748/mo
▼ 0.25% · 3.875%
HK$12,299
−HK$377/mo
Today · 4.125%
HK$12,676
baseline
▲ 0.50% · 4.625%
HK$13,447
+HK$771/mo
Deposit HK$1.74M · loan HK$2.62M · min. income ≈ HK$25,352/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$65,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,270
−HK$716/mo
▼ 0.25% · 3.875%
HK$13,625
−HK$361/mo
Today · 4.125%
HK$13,986
baseline
▲ 0.50% · 4.625%
HK$14,724
+HK$738/mo
Deposit HK$1.74M · loan HK$2.62M · min. income ≈ HK$27,972/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$65,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,916
−HK$872/mo
▼ 0.25% · 3.875%
HK$14,349
−HK$439/mo
Today · 4.125%
HK$14,788
baseline
▲ 0.50% · 4.625%
HK$15,688
+HK$900/mo
Deposit HK$1.31M · loan HK$3.05M · min. income ≈ HK$29,576/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$65,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,481
−HK$837/mo
▼ 0.25% · 3.875%
HK$15,896
−HK$422/mo
Today · 4.125%
HK$16,318
baseline
▲ 0.50% · 4.625%
HK$17,178
+HK$860/mo
Deposit HK$1.31M · loan HK$3.05M · min. income ≈ HK$32,636/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$65,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,892
−HK$1,122/mo
▼ 0.25% · 3.875%
HK$18,448
−HK$566/mo
Today · 4.125%
HK$19,014
baseline
▲ 0.50% · 4.625%
HK$20,171
+HK$1,157/mo
Deposit HK$436K · loan HK$3.92M · min. income ≈ HK$38,028/mo (50% DSR)
Upfront cash ≈ HK$501K (deposit + AVD stamp duty HK$65,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,904
−HK$1,076/mo
▼ 0.25% · 3.875%
HK$20,438
−HK$542/mo
Today · 4.125%
HK$20,980
baseline
▲ 0.50% · 4.625%
HK$22,086
+HK$1,106/mo
Deposit HK$436K · loan HK$3.92M · min. income ≈ HK$41,960/mo (50% DSR)
Upfront cash ≈ HK$501K (deposit + AVD stamp duty HK$65,387 · 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).