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$9,954
−HK$624/mo
▼ 0.25% · 3.875%
HK$10,264
−HK$314/mo
Today · 4.125%
HK$10,578
baseline
▲ 0.50% · 4.625%
HK$11,222
+HK$644/mo
Deposit HK$2.18M · loan HK$2.18M · min. income ≈ HK$21,156/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$65,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,074
−HK$598/mo
▼ 0.25% · 3.875%
HK$11,371
−HK$301/mo
Today · 4.125%
HK$11,672
baseline
▲ 0.50% · 4.625%
HK$12,287
+HK$615/mo
Deposit HK$2.18M · loan HK$2.18M · min. income ≈ HK$23,344/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$65,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,945
−HK$749/mo
▼ 0.25% · 3.875%
HK$12,316
−HK$378/mo
Today · 4.125%
HK$12,694
baseline
▲ 0.50% · 4.625%
HK$13,466
+HK$772/mo
Deposit HK$1.75M · loan HK$2.62M · min. income ≈ HK$25,388/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$65,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,288
−HK$718/mo
▼ 0.25% · 3.875%
HK$13,645
−HK$361/mo
Today · 4.125%
HK$14,006
baseline
▲ 0.50% · 4.625%
HK$14,745
+HK$739/mo
Deposit HK$1.75M · loan HK$2.62M · min. income ≈ HK$28,012/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$65,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,935
−HK$874/mo
▼ 0.25% · 3.875%
HK$14,369
−HK$440/mo
Today · 4.125%
HK$14,809
baseline
▲ 0.50% · 4.625%
HK$15,710
+HK$901/mo
Deposit HK$1.31M · loan HK$3.06M · min. income ≈ HK$29,618/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$65,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,503
−HK$838/mo
▼ 0.25% · 3.875%
HK$15,919
−HK$422/mo
Today · 4.125%
HK$16,341
baseline
▲ 0.50% · 4.625%
HK$17,202
+HK$861/mo
Deposit HK$1.31M · loan HK$3.06M · min. income ≈ HK$32,682/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$65,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,917
−HK$1,124/mo
▼ 0.25% · 3.875%
HK$18,474
−HK$567/mo
Today · 4.125%
HK$19,041
baseline
▲ 0.50% · 4.625%
HK$20,199
+HK$1,158/mo
Deposit HK$437K · loan HK$3.93M · min. income ≈ HK$38,082/mo (50% DSR)
Upfront cash ≈ HK$502K (deposit + AVD stamp duty HK$65,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,933
−HK$1,076/mo
▼ 0.25% · 3.875%
HK$20,467
−HK$542/mo
Today · 4.125%
HK$21,009
baseline
▲ 0.50% · 4.625%
HK$22,117
+HK$1,108/mo
Deposit HK$437K · loan HK$3.93M · min. income ≈ HK$42,018/mo (50% DSR)
Upfront cash ≈ HK$502K (deposit + AVD stamp duty HK$65,479 · 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).