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$9,980
−HK$626/mo
▼ 0.25% · 3.875%
HK$10,290
−HK$316/mo
Today · 4.125%
HK$10,606
baseline
▲ 0.50% · 4.625%
HK$11,251
+HK$645/mo
Deposit HK$2.19M · loan HK$2.19M · min. income ≈ HK$21,212/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$65,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,103
−HK$599/mo
▼ 0.25% · 3.875%
HK$11,400
−HK$302/mo
Today · 4.125%
HK$11,702
baseline
▲ 0.50% · 4.625%
HK$12,319
+HK$617/mo
Deposit HK$2.19M · loan HK$2.19M · min. income ≈ HK$23,404/mo (50% DSR)
Upfront cash ≈ HK$2.25M (deposit + AVD stamp duty HK$65,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,976
−HK$751/mo
▼ 0.25% · 3.875%
HK$12,348
−HK$379/mo
Today · 4.125%
HK$12,727
baseline
▲ 0.50% · 4.625%
HK$13,501
+HK$774/mo
Deposit HK$1.75M · loan HK$2.63M · min. income ≈ HK$25,454/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$65,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,323
−HK$720/mo
▼ 0.25% · 3.875%
HK$13,680
−HK$363/mo
Today · 4.125%
HK$14,043
baseline
▲ 0.50% · 4.625%
HK$14,783
+HK$740/mo
Deposit HK$1.75M · loan HK$2.63M · min. income ≈ HK$28,086/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$65,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,972
−HK$876/mo
▼ 0.25% · 3.875%
HK$14,407
−HK$441/mo
Today · 4.125%
HK$14,848
baseline
▲ 0.50% · 4.625%
HK$15,752
+HK$904/mo
Deposit HK$1.31M · loan HK$3.06M · min. income ≈ HK$29,696/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$65,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,544
−HK$839/mo
▼ 0.25% · 3.875%
HK$15,960
−HK$423/mo
Today · 4.125%
HK$16,383
baseline
▲ 0.50% · 4.625%
HK$17,247
+HK$864/mo
Deposit HK$1.31M · loan HK$3.06M · min. income ≈ HK$32,766/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$65,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,964
−HK$1,126/mo
▼ 0.25% · 3.875%
HK$18,523
−HK$567/mo
Today · 4.125%
HK$19,090
baseline
▲ 0.50% · 4.625%
HK$20,252
+HK$1,162/mo
Deposit HK$438K · loan HK$3.94M · min. income ≈ HK$38,180/mo (50% DSR)
Upfront cash ≈ HK$503K (deposit + AVD stamp duty HK$65,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,985
−HK$1,079/mo
▼ 0.25% · 3.875%
HK$20,521
−HK$543/mo
Today · 4.125%
HK$21,064
baseline
▲ 0.50% · 4.625%
HK$22,175
+HK$1,111/mo
Deposit HK$438K · loan HK$3.94M · min. income ≈ HK$42,128/mo (50% DSR)
Upfront cash ≈ HK$503K (deposit + AVD stamp duty HK$65,651 · 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).