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$11,234
+HK$644/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$65,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,086
−HK$599/mo
▼ 0.25% · 3.875%
HK$11,383
−HK$302/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$65,551 · 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$13,481
+HK$773/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$65,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,303
−HK$719/mo
▼ 0.25% · 3.875%
HK$13,660
−HK$362/mo
Today · 4.125%
HK$14,022
baseline
▲ 0.50% · 4.625%
HK$14,761
+HK$739/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$65,551 · 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$15,728
+HK$902/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$65,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,520
−HK$839/mo
▼ 0.25% · 3.875%
HK$15,936
−HK$423/mo
Today · 4.125%
HK$16,359
baseline
▲ 0.50% · 4.625%
HK$17,221
+HK$862/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$65,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,937
−HK$1,124/mo
▼ 0.25% · 3.875%
HK$18,495
−HK$566/mo
Today · 4.125%
HK$19,061
baseline
▲ 0.50% · 4.625%
HK$20,221
+HK$1,160/mo
Deposit HK$437K · loan HK$3.93M · min. income ≈ HK$38,122/mo (50% DSR)
Upfront cash ≈ HK$503K (deposit + AVD stamp duty HK$65,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,954
−HK$1,078/mo
▼ 0.25% · 3.875%
HK$20,490
−HK$542/mo
Today · 4.125%
HK$21,032
baseline
▲ 0.50% · 4.625%
HK$22,141
+HK$1,109/mo
Deposit HK$437K · loan HK$3.93M · min. income ≈ HK$42,064/mo (50% DSR)
Upfront cash ≈ HK$503K (deposit + AVD stamp duty HK$65,551 · 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).