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$9,967
−HK$625/mo
▼ 0.25% · 3.875%
HK$10,277
−HK$315/mo
Today · 4.125%
HK$10,592
baseline
▲ 0.50% · 4.625%
HK$11,236
+HK$644/mo
Deposit HK$2.19M · loan HK$2.19M · min. income ≈ HK$21,184/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$65,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,088
−HK$599/mo
▼ 0.25% · 3.875%
HK$11,385
−HK$302/mo
Today · 4.125%
HK$11,687
baseline
▲ 0.50% · 4.625%
HK$12,303
+HK$616/mo
Deposit HK$2.19M · loan HK$2.19M · min. income ≈ HK$23,374/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$65,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,960
−HK$750/mo
▼ 0.25% · 3.875%
HK$12,332
−HK$378/mo
Today · 4.125%
HK$12,710
baseline
▲ 0.50% · 4.625%
HK$13,483
+HK$773/mo
Deposit HK$1.75M · loan HK$2.62M · min. income ≈ HK$25,420/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$65,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,305
−HK$719/mo
▼ 0.25% · 3.875%
HK$13,662
−HK$362/mo
Today · 4.125%
HK$14,024
baseline
▲ 0.50% · 4.625%
HK$14,763
+HK$739/mo
Deposit HK$1.75M · loan HK$2.62M · min. income ≈ HK$28,048/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$65,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,953
−HK$875/mo
▼ 0.25% · 3.875%
HK$14,387
−HK$441/mo
Today · 4.125%
HK$14,828
baseline
▲ 0.50% · 4.625%
HK$15,730
+HK$902/mo
Deposit HK$1.31M · loan HK$3.06M · min. income ≈ HK$29,656/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$65,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,523
−HK$838/mo
▼ 0.25% · 3.875%
HK$15,939
−HK$422/mo
Today · 4.125%
HK$16,361
baseline
▲ 0.50% · 4.625%
HK$17,224
+HK$863/mo
Deposit HK$1.31M · loan HK$3.06M · min. income ≈ HK$32,722/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$65,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,940
−HK$1,125/mo
▼ 0.25% · 3.875%
HK$18,498
−HK$567/mo
Today · 4.125%
HK$19,065
baseline
▲ 0.50% · 4.625%
HK$20,225
+HK$1,160/mo
Deposit HK$437K · loan HK$3.93M · min. income ≈ HK$38,130/mo (50% DSR)
Upfront cash ≈ HK$503K (deposit + AVD stamp duty HK$65,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,958
−HK$1,078/mo
▼ 0.25% · 3.875%
HK$20,493
−HK$543/mo
Today · 4.125%
HK$21,036
baseline
▲ 0.50% · 4.625%
HK$22,145
+HK$1,109/mo
Deposit HK$437K · loan HK$3.93M · min. income ≈ HK$42,072/mo (50% DSR)
Upfront cash ≈ HK$503K (deposit + AVD stamp duty HK$65,563 · 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).