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$9,982
−HK$626/mo
▼ 0.25% · 3.875%
HK$10,292
−HK$316/mo
Today · 4.125%
HK$10,608
baseline
▲ 0.50% · 4.625%
HK$11,253
+HK$645/mo
Deposit HK$2.19M · loan HK$2.19M · min. income ≈ HK$21,216/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$65,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,105
−HK$600/mo
▼ 0.25% · 3.875%
HK$11,402
−HK$303/mo
Today · 4.125%
HK$11,705
baseline
▲ 0.50% · 4.625%
HK$12,321
+HK$616/mo
Deposit HK$2.19M · loan HK$2.19M · min. income ≈ HK$23,410/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$65,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,978
−HK$751/mo
▼ 0.25% · 3.875%
HK$12,351
−HK$378/mo
Today · 4.125%
HK$12,729
baseline
▲ 0.50% · 4.625%
HK$13,504
+HK$775/mo
Deposit HK$1.75M · loan HK$2.63M · min. income ≈ HK$25,458/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$65,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,325
−HK$720/mo
▼ 0.25% · 3.875%
HK$13,683
−HK$362/mo
Today · 4.125%
HK$14,045
baseline
▲ 0.50% · 4.625%
HK$14,786
+HK$741/mo
Deposit HK$1.75M · loan HK$2.63M · min. income ≈ HK$28,090/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$65,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,974
−HK$877/mo
▼ 0.25% · 3.875%
HK$14,409
−HK$442/mo
Today · 4.125%
HK$14,851
baseline
▲ 0.50% · 4.625%
HK$15,754
+HK$903/mo
Deposit HK$1.31M · loan HK$3.06M · min. income ≈ HK$29,702/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$65,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,546
−HK$840/mo
▼ 0.25% · 3.875%
HK$15,963
−HK$423/mo
Today · 4.125%
HK$16,386
baseline
▲ 0.50% · 4.625%
HK$17,250
+HK$864/mo
Deposit HK$1.31M · loan HK$3.06M · min. income ≈ HK$32,772/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$65,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,967
−HK$1,127/mo
▼ 0.25% · 3.875%
HK$18,526
−HK$568/mo
Today · 4.125%
HK$19,094
baseline
▲ 0.50% · 4.625%
HK$20,256
+HK$1,162/mo
Deposit HK$438K · loan HK$3.94M · min. income ≈ HK$38,188/mo (50% DSR)
Upfront cash ≈ HK$503K (deposit + AVD stamp duty HK$65,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,988
−HK$1,080/mo
▼ 0.25% · 3.875%
HK$20,524
−HK$544/mo
Today · 4.125%
HK$21,068
baseline
▲ 0.50% · 4.625%
HK$22,179
+HK$1,111/mo
Deposit HK$438K · loan HK$3.94M · min. income ≈ HK$42,136/mo (50% DSR)
Upfront cash ≈ HK$503K (deposit + AVD stamp duty HK$65,662 · 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).