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$9,958
−HK$624/mo
▼ 0.25% · 3.875%
HK$10,268
−HK$314/mo
Today · 4.125%
HK$10,582
baseline
▲ 0.50% · 4.625%
HK$11,226
+HK$644/mo
Deposit HK$2.18M · loan HK$2.18M · min. income ≈ HK$21,164/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$65,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,078
−HK$598/mo
▼ 0.25% · 3.875%
HK$11,375
−HK$301/mo
Today · 4.125%
HK$11,676
baseline
▲ 0.50% · 4.625%
HK$12,292
+HK$616/mo
Deposit HK$2.18M · loan HK$2.18M · min. income ≈ HK$23,352/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$65,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,949
−HK$750/mo
▼ 0.25% · 3.875%
HK$12,321
−HK$378/mo
Today · 4.125%
HK$12,699
baseline
▲ 0.50% · 4.625%
HK$13,471
+HK$772/mo
Deposit HK$1.75M · loan HK$2.62M · min. income ≈ HK$25,398/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$65,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,294
−HK$718/mo
▼ 0.25% · 3.875%
HK$13,650
−HK$362/mo
Today · 4.125%
HK$14,012
baseline
▲ 0.50% · 4.625%
HK$14,750
+HK$738/mo
Deposit HK$1.75M · loan HK$2.62M · min. income ≈ HK$28,024/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$65,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,941
−HK$874/mo
▼ 0.25% · 3.875%
HK$14,375
−HK$440/mo
Today · 4.125%
HK$14,815
baseline
▲ 0.50% · 4.625%
HK$15,717
+HK$902/mo
Deposit HK$1.31M · loan HK$3.06M · min. income ≈ HK$29,630/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$65,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,509
−HK$838/mo
▼ 0.25% · 3.875%
HK$15,925
−HK$422/mo
Today · 4.125%
HK$16,347
baseline
▲ 0.50% · 4.625%
HK$17,209
+HK$862/mo
Deposit HK$1.31M · loan HK$3.06M · min. income ≈ HK$32,694/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$65,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,924
−HK$1,124/mo
▼ 0.25% · 3.875%
HK$18,482
−HK$566/mo
Today · 4.125%
HK$19,048
baseline
▲ 0.50% · 4.625%
HK$20,207
+HK$1,159/mo
Deposit HK$437K · loan HK$3.93M · min. income ≈ HK$38,096/mo (50% DSR)
Upfront cash ≈ HK$502K (deposit + AVD stamp duty HK$65,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,940
−HK$1,078/mo
▼ 0.25% · 3.875%
HK$20,475
−HK$543/mo
Today · 4.125%
HK$21,018
baseline
▲ 0.50% · 4.625%
HK$22,126
+HK$1,108/mo
Deposit HK$437K · loan HK$3.93M · min. income ≈ HK$42,036/mo (50% DSR)
Upfront cash ≈ HK$502K (deposit + AVD stamp duty HK$65,505 · 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).